Insights & Resources

Reference material on B2B finance, structuring and risk.

All articles

Payment Behaviour

₹7.34 Lakh Crore Is Owed Late to India’s MSMEs

What the measured backlog of delayed payments to Indian MSMEs actually is, the statutory position under the MSMED Act, and why late settlement persists despite that position.

Payment Behaviour

What Late Payment Actually Costs

How delayed settlement converts into financing cost, declined orders and constrained growth, and how the cost is quantified.

Payment Behaviour

How to Recover a Delayed Payment

The escalation path for an overdue B2B invoice, from internal follow-up through MSME Samadhaan and the Facilitation Council.

Payment Behaviour

What Buyer Payment Behaviour Reveals

Why settlement behaviour predicts the funding requirement more reliably than turnover.

Working Capital

Preparing for a Working Capital Assessment

The documentation an assessment turns on, and how to present a receivables ledger.

Financial Management

How to Calculate the Working Capital Gap

Calculating the cash conversion cycle, and the capital held in day-to-day operations.

Working Capital

Invoice Financing vs. Cash Credit

Comparing structural differences, security requirements, and suitability for growing B2B businesses.

Working Capital

Receivables Financing vs. Factoring

Understanding assignment, recourse, and how collections differ between these two distinct facilities.

Payment Behaviour

When a B2B Customer Defaults

The sequence from delayed settlement through dispute to default, and the options at each stage.

Set up a programme

Set up supply chain finance programmes for buyers and suppliers within an anchor ecosystem.

Discuss a programme
PayLedger

Supply chain finance for Indian B2B trade.

Discuss a programme

Solutions

Reserve Bank of IndiaRBI Registered NBFCCoR B-14.01-787

PayLedger is a supply chain finance platform operated by Opticap Holding India Pvt. Ltd. as a Lending Service Provider. Loans are extended by Nipun Projects and Finance Pvt. Ltd., an RBI-registered NBFC.

Submission of any information does not constitute an offer of finance or an approval of credit. All facilities are subject to credit assessment, and to the applicable terms, conditions and documentation.

Nipun Projects and Finance Private Limited

Head office: #448, 3rd Floor, 17th Cross Road, Sector 4, HSR Layout, Bengaluru, Karnataka 560102

Registered office: Office No 58, First Floor, Bhagat Singh Market, Connaught Place, Central Delhi, New Delhi 110001

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RBI NBFC Reg. No.: B-14.01-787

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