India's Working Capital
Problem - Solved.
UdharSetu digitizes udhar (credit) between wholesalers and retailers - enabling instant liquidity, automated collections, and zero bad debt risk.
The Problem
The Rs 15 Lakh Crore Problem Nobody's Solving
Wholesalers wait 30-90 days for payment
Retailers buy on credit but payment cycles choke cash flow and growth.
Manual collection hurts relationships
WhatsApp reminders, handwritten ledgers, and awkward follow-ups waste time.
Retailers cannot grow without working capital
No formal credit history means no bank loan and stalled expansion.
Avg DSO
78 days
Recovery Rate
62%
Process
How UdharSetu Works
Simple for wholesalers. Life-changing for retailers.
Wholesaler Onboards
Connect your business in minutes. Upload GST, Aadhar, and start transacting.
Retailer Buys on Credit
Retailers get instant credit approval. Buy today, pay on schedule. No paperwork.
Auto Collection + Reconciliation
UdharSetu handles reminders, collections, and real-time ledger updates for you.
Features
Everything You Need to Run Credit - Digitally
Instant Credit Decisioning
AI-based credit scoring for retailers using GST + purchase history.
WhatsApp-Native Experience
Zero app downloads. Wholesalers and retailers operate via WhatsApp.
Smart Collection Engine
Automated payment reminders with escalation workflows.
Live Ledger & Dashboard
Real-time outstanding, collection rate, and cash flow visibility.
RBI-Compliant & Secure
Built on licensed NBFC rails. Bank-grade encryption. Fully auditable.
Works for Bharat
Available in Hindi, Hinglish, and 6 regional languages.
Disbursed
Distributors
Collection Rate
Onboarding Time
Sell More. Collect Faster. Sleep Better.
- Offer credit to retailers without cash flow risk
- Reduce Days Sales Outstanding (DSO) by 60%
- Auto-generated collection reports for your accountant
- Grow your retailer network with zero NPAs
Cash Unlock
Rs 7.2 Cr
DSO
-60%
UdharSetu reduces overdue risk while helping your distributors grow their order volume.
Limit
Rs 4.5 lakh
Next Due
12 days
Buy today, pay when you sell. UdharSetu keeps your working capital healthy.
Buy Today. Pay When You Sell.
- Get instant credit limit - no bank visits
- Flexible repayment tied to your sales cycle
- Build your credit score for future bank loans
- One WhatsApp message to order and pay
Testimonials
Trusted Across India's Supply Chain
"UdharSetu ne mera Rs 30 lakh ka outstanding recover karaya in just 2 weeks."
Ramesh Gupta
FMCG Distributor, Dharavi
"Pehle bank loan nahi milta tha. Ab mera credit score ban raha hai."
Sunita Devi
Kirana Store Owner, Jaipur
"My collections team was 5 people. Now it's just the app."
Vikram Shah
Pharma Distributor, Pune
Built on Trust. Backed by Compliance.
Ready to Bridge the Credit Gap?
Join 500+ wholesalers already using UdharSetu. No setup fee. No hidden charges. Cancel anytime.