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Billmart Pay Later
A Closed-loop
Channel Financing Solution

Pay Later solution is a closed-loop channel financing solution leveraging cutting-edge technology to offer working capital finance to Dealers / Distributors / Stockists / Retailers of any brands or products. Our tailor-made solution helps brands & enterprises get instant payment against products sold, while their business buyers get immediate financing, based on their credit profile, to purchase products on credit with a flexible repayment window.

Reasons to love
Billmart Pay Later

Avail Trade Finance through Working Capital Loans, Channel Finance, Supply Chain Finance, Revenue Discounting, Import Export Finance and everything around Bill!

Easy Payment

Simply tap to pay bills, recharge, and shop.

Easy Tracking

Get one consolidated bill for all your monthly spendings.


Easy Savings

Save big on top brands with exclusive
offers.

Easy Life

Go cashless. Avoid cash/OTP/PIN hassle.

KredX Pay Later A Closed-loop Channel Financing Solution

Increase Your Overall Sales By 2x
A Closed-loop Channel Financing Solution That Provides Instant Payment To Brands And Instant Credit To Their Buyers

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Reasons to love
Billmart Pay Later

Avail Trade Finance through Working Capital Loans, Channel Finance, Supply Chain Finance, Revenue Discounting, Import Export Finance and everything around Bill!

Easy Payment

Simply tap to pay bills, recharge, and shop.

Easy Tracking

Get one consolidated bill for all your monthly spendings.


Easy Savings

Save big on top brands with exclusive
offers.

Easy Life

Go cashless. Avoid cash/OTP/PIN hassle.

Why Choose BNPL

Benefits For Brands & Enterprises

Frequently Asked Questions

1. What is BNPL & How does it work?

The Buy Now Pay Later solution is a closed-loop digital Supply Chain Financing solution leveraging cutting edge technology to offer working capital finance to Dealers / Distributors / Stockists / Retailers of any brands or products. It helps brands & enterprises get instant payment against products sold, while their business buyers get immediate financing, based on their credit profile, to purchase products on credit with a flexible repayment window.

2. What is the BNPL program limit?

The BNPL program limit is broadly two types. One, the buyer limit where it is based on per buyer sanction limit, and two, the maximum limit provided, which can be distributed across multiple buyers.

3. How are the sanction limits allocated?

The sanction limits are allocated based on multiple factors including the ticket size, risk, etc.

4. What is the eligibility of a buyer to avail BNPL?

A minimum of 650 CIBIL score is required as an eligibility criteria. It can also depend on a case-by-case basis.

5. How do you calculate the sanction limits?

A sanction limit is mostly decided based on the amount of sales/purchases the buyer has done with the anchor minus the current repayment liabilities that exist. Besides, there are multiple factors that can decide the amount of risk.

6. How can a buyer repay the loan? What are the various options available?

Besides credit cards, Buyers have the flexibility to repay the amount loaned via UPI, Virtual Account, and Payment Links which all are unique to each buyer.