Build lasting
relationships.
Repayment infrastructure for India’s $950B informal credit economy, so that lending to a friend, a customer, or a vendor never costs you the relationship.
Explore our productsWhat do we do?
Three products that
get you paid back
Informal credit in India is not one market but three, each with its own relationship, paper trail, and reason repayment fails. We build a product for each, on shared rails.
Le'UdhaarBindass De'UdhaarBetween friends and family
Lending to a friend shouldn't cost you the friendship.
Le'Udhaar turns “bhai, 5000 udhaar dega kya” into a recorded agreement with automated repayment. The lender stops chasing. The borrower stops dodging. Nobody has to bring it up at dinner.
- Auto-debit on due dateRepayment is collected on the agreed date without either side sending a message.
- Smart remindersEscalating nudges go out before the due date, so the follow-up is never a person.
- Recovery workflowWhen a loan goes bad, a structured escalation path takes over instead of the relationship.
~$200B
P2P informal lending in India
Total pending
₹3,550
You need to pay
₹2,400
You will receive
₹1,150
Recent
Le'BalanceKhata, digitalShops, cafes, vendors & hospitality
The khata notebook, finally worth trusting.
Every shopkeeper runs a credit book. None of them can tell you what it's actually worth. Le'Balance replaces the notebook with a live ledger, with QR onboarding for customers, per-customer limits, and collection that runs itself.
- QR customer onboardingA customer joins your khata by scanning once. No app install argument at the counter.
- Live outstanding ledgerKnow exactly what is out, who is overdue, and what is due today, instead of finding out at the end of the month.
- Automated collectionReminders and debits run against every open balance, so the owner stops being the collector.
~$250–300B
Vendor & retail credit in India
Total udhaar out
₹48,200
Open khatas
32
Due today
₹12,050
Recent
Le'LegallyAgreements, instantlyMSMEs, startups & individuals
Structure for the credit that outgrows a handshake.
Above a certain amount, trust needs paper. Le'Legally drafts the agreement, gets it signed, and gives both sides something enforceable, without a lawyer's retainer or a three-week turnaround.
- AI-drafted agreementsDescribe the arrangement in plain language; get a clause-complete draft back in minutes.
- e-Sign and custodyBoth parties sign digitally, and the executed copy is held where neither side can lose it.
- Escalation pathIf repayment fails, the agreement is already in the form the process requires.
~$500B+
MSME & structured informal credit
Principal
₹2,00,000
Clauses
14
Drafted in
2 min
Recent
Our thesis
“Bhai, paisa kab dega?”
This conversation happens millions of times a day across India. There is no infrastructure underneath it.
India’s informal credit economy runs on trust, notebooks, and WhatsApp messages, not infrastructure. Existing fintech goes after formal credit: banks, NBFCs, BNPL. Almost nothing reaches the trust-based lending underneath, which is what most daily commerce in the country actually runs on.
TrustRails builds the repayment layer for that gap. It records the agreement, automates collection, sends the reminder nobody wants to send, and gives you a recovery path when you need one, all without asking people to change how they already lend and borrow.
On the ground
Validated with real vendors, not just a market map.
$950B+
Total addressable market across all three products
51
Gaming cafes piloting Le'Balance in Navi Mumbai
SISFS
Startup India Seed Fund Scheme grant awarded
Building in India’s informal credit economy? Let’s talk.
Investors, pilot partners, and merchants can reach us directly. We answer every email ourselves.
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