As it prepares to mark its seventh anniversary in December, leading SME-credit company ePayLater has changed the lives of kiranas in ways that contribute to the goal of Digital Bharat. The four pillars that have aided in guiding all of our decisions are empowerment, integrity, innovation, and most crucially, putting the needs of the client first. ePayLater offers more than just an easy way to get money. It supports small companies by giving them a platform and a tool that is specifically designed to help them realize their entrepreneurial goals.

In addition to providing more than 3,000 crore INR in credit to the Kirana community across the nation (12,000 pin codes), the start-up has had an enormous 30X growth, particularly in the last two years. As the nation’s first business-to-business “Buy now, pay later” fintech, ePayLater assisted its kirana customers in increasing their profits through a smooth digital transition that increased credit uptake and improved engagement. Everything is ready to reach the next stage of expansion, which will include 1 million people, within the next three years.

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Speaking about this turning point in their growth, co-founder Aurko Bhattacharya said, “We at ePayLater intend to penetrate further to empower SMEs by creating a credit and tech-enabled network which facilitates smoother flow and drives higher efficiencies in the supply chain. Currently, we have a large retail base spread across over 650 cities in India. Our mission is to make credit available to shops and small companies so they can manage their inventory, run promotions, and expand their operations without depending on outside funding.

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