ePayLater careers

ePayLater started in 2015, with an avowed objective to empower people and help them discover their potential by providing seamless and timely financial solutions. This mission has seen the company become a preferred B2B solution provider facilitating digital transformation of the traditional supply chain in India. It is a USD 400 Bn market with 12 million kirana stores in the food an groceries segment alone.

The traditional supply chain in India constitutes of the retailer, distributor and brand and each of these stakeholders have to deal with inefficiencies introduced by the lack of technology and financial access
Retailer
• Low access to formal unsecured credit. Has to rely on Trade Credit from Distributors
• Trade Credit from Distributors is localized, only available in physical sales channel and has varying terms depending on the brand for which the distributor is selling. It also varies from time to time
• Since returns and revisions are high payments and reconciliations is always a problem

Distributors
• Sales limited by feet on street (FOS) to a local sales area
• Collections from retailers in cash is costly and full of hassles

Brands
• For bigger brands visibility on the last mile is lacking
• For small and medium brands traditional distributors do not provide credit and collections facility easily which are two essential elements of the distribution channel

Founded by a team with a rich understanding of credit and tech we have continuously innovated in our offerings, and we help solve the problem for both, credit and trade for the participants in the value chain - brands, distributors & retailers.