Working capital, the moment you need it.
Payledger finances India's SMBs on how they trade and pay. Connect once, stay ready, and draw the moment a gap appears.
Request Early AccessWe're opening the early beta to 25 businesses.
India's SMBs don't have a profit problem — they have a timing problem. Goods ship, invoices go out, and the money lands 60, 90, sometimes 120 days later. In the meantime, salaries, suppliers and the next order still have to be paid.
The amount India's MSMEs are owed in delayed payments at any given time. Most of that gap is bridged with informal, expensive money. It shouldn't have to be.
Reliability — the most valuable thing a business builds — counts for nothing in how it's financed. The system finances what you own, not how you trade. We think that's backwards.
Your track record is your collateral.
Link your GST and trade data securely. We read how you actually trade and pay — no fresh paperwork each time.
We set a working-capital line in the background, sized to your trade. It sits ready before you need it.
When a payment gap hits, draw against your line in minutes and repay as your receivables come in.
Payledger Instant is invite-only while we're in beta. We're looking for a small set of businesses that trade the way the product is built for — the most ideal candidates:
If that's you, request early access and we'll be in touch.
Payledger Instant is the first of a wider working-capital suite. We're building financing for businesses with strong anchor buyers, and secured facilities for businesses that want to borrow against what they own.
Invoice discounting, and purchase / dealer / distributor financing against your trade.
Medium-term and long-term facilities, secured against property including agricultural land.
We write about the working-capital gap, payment behaviour, and how India's SMBs actually get financed.
Why India's most reliable businesses are still its most starved for cash — and what it costs them.
At any given moment, India's micro, small and medium enterprises are owed roughly Rs 7.34 lakh crore in delayed payments. The figure comes from the GAME–FISME–C2FO Delayed Payments Report 3.0 (March 2024), and it describes money that has already been earned — goods delivered, services rendered, invoices raised — but not yet paid.
For a large buyer, a 90-day payment cycle is a working-capital convenience. For the small supplier on the other side, it's a crisis that repeats every month. Payroll doesn't wait 90 days. Suppliers don't. The next order doesn't.
The cruelest part is who it hits hardest: the reliable ones. The businesses that deliver on time, invoice cleanly, and get paid late anyway. Their reliability earns them nothing in how they're financed — because the system finances what you own, not how you trade.
That's the gap Payledger is built to close. See how Payledger Instant works →
Payledger is a technology-led working capital provider for India's SMBs. We finance businesses on how they trade and pay, not just on what they own.
Payledger is a subsidiary of Opticap Holdings; lending is powered by Nipun Projects and Finance, an RBI-registered NBFC — combining the speed of technology with the discipline of regulated lending, through a model that pairs digital underwriting with real on-ground verification.