Instant advances on the income you've already earned — brand invoices and gig wages, straight to your UPI in minutes. No CIBIL, no collateral, no EMI.
They earn real, recurring income — but can't reach it when they need it, and the formal system won't lend to them.
Creators and freelancers wait 45–120 days for brands and clients to clear invoices. Gig workers wait for weekly or monthly payouts.
With no salary slip and a "thin" credit file, they're invisible to CIBIL-based lending — rejected despite steady, provable income.
To bridge the gap they fall back on high-cost informal loans and credit-card debt — or simply go without.
~40% of India's 1.2 crore gig workers earn under ₹15,000 a month — where a two-week payment delay decides whether rent gets paid. The money is already earned. They just can't reach it in time.
PaidUp advances income you've already earned — an unpaid brand invoice, or earned-but-unpaid gig wages — straight to your UPI. We verify the receivable, pay you instantly for a small flat fee, and collect from the payer later.
Add an unpaid invoice, or link your gig earnings. 2-minute Aadhaar KYC.
We confirm the receivable and score you instantly on your cash-flow data.
Get up to 90% now. We collect from the brand or platform on the due date.
The same verify → advance → collect rail serves both sides of India's independent workforce.
Waiting 45–120 days on brand deals and client invoices? Advance them the moment the work is done.
Delivery riders, drivers and home-services pros — draw the pay you've already earned before payout day.
India just built the rails that make instant, cash-flow-based advances possible — and the workforce that needs them is exploding.
India's creator economy is heading toward $62B by 2033 (22% CAGR), and gig work is fast becoming the default form of employment.
UPI + Account Aggregator + OCEN make real-time, consent-based cash-flow underwriting possible for the first time — no CIBIL needed.
RBI's 2025 Digital Lending rules reward compliant, NBFC-partnered models — exactly how PaidUp is built.
PaidUp never lends off its own balance sheet. We operate as a technology and origination layer, while a licensed NBFC partner provides the capital and holds the credit — fully aligned with RBI's Digital Lending Directions, 2025.
A two-person founding team that ships — with a working product already live.
Software engineer (Python, Flask, automation) and Smart India Hackathon 2023 finalist. Drives product and engineering.
Full-stack developer & growth builder who has shipped 8+ fintech, healthtech and consumer apps. Owns product, tech and go-to-market.
Try the working PaidUp prototype — no signup needed to explore.
⚡ Launch the app