ClickPe: Transforming loan repayments for India’s small businesses

June 4, 2026 Start Up Valli Sarvani

Small shop owners form the backbone of India’s economy. Unlike salaried employees who receive a fixed monthly income, these entrepreneurs earn money every day through their businesses.

However, traditional lenders still expect them to repay loans through large monthly instalments. This mismatch often creates financial pressure and disrupts their working capital.

Recognising this problem, founders Shashwat Shrikhande and Saurabh Gupta launched ClickPe, a fintech startup designed specifically for the needs of small business owners.

ClickPe’s innovation lies in its daily repayment model. Instead of requiring borrowers to accumulate a large amount for a monthly instalment, the platform automatically deducts a small amount every day from the customer’s digital wallet through an auto-debit mandate.

This approach aligns loan repayments with the daily cash flow of shopkeepers and micro-entrepreneurs.

The benefits for customers are significant. Daily repayments are easier to manage because they match how small businesses earn. Borrowers no longer need to worry about arranging a large sum at the end of the month.

As a result, they can use more of their working capital for purchasing inventory, managing operations, and growing their businesses. The automated repayment process also reduces the chances of missing instalments.

Another major advantage is improved financial discipline. Since payments are made regularly, borrowers are less likely to default.

Consistent repayments help create a positive credit history and improve credit scores. This can make it easier for small business owners to access larger loans and better financial products in the future.

For lenders, the model offers reduced repayment risk and better visibility into customer repayment behaviour. This can encourage financial institutions to extend credit to more underserved entrepreneurs.

Despite its promise, ClickPe faces certain challenges. The model depends on digital payment adoption and customer awareness.

Many small businesses still rely heavily on cash transactions, which can make automated collections difficult.

Income fluctuations may also affect some borrowers’ ability to maintain sufficient wallet balances. In addition, the company must continuously invest in technology, security, and customer education.

Nevertheless, ClickPe represents an important innovation in financial inclusion.

By matching loan repayments with the earning patterns of small business owners, the startup is helping entrepreneurs manage debt more comfortably while building stronger financial futures.

Image Credit: Clickpe Website Screenshot