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Pay suppliers’ bills
in parts
with Penenza interest-free BNPL-installment service
Pay only the first part, the rest is covered by Penenza
The supplier receives the entire amount at once
Pay off Penenza for up to 6 months in equal parts
0% per annum and no commissions (when purchasing from Penenza partners)
Buy in installments
Increase working capital
Don't pay interest
Interest-free capital from Penenza
for installment purchases
up to 1Cr
up to 6 months
0% per annum
Free financing without interest, commissions and hidden fees
maximum installment period
Renewable limit for any number of deals
You will be able to divide the payment for each deal into equal parts and pay over the period of up to 6 months
Eligibility criteria:
min 12 months
of business vintage
min 10 lakh
rupees monthly sales
is mandatory
No delays
in the payment of loans (according to Credit Reporting Agencies data)
BNPL (Buy Now Pay Later) - how it works
The buyer sends the supplier's invoice to Penenza for payment in installments within a several months
The buyer pays the first part, the remaining amount is provided by Penenza. The seller receives all the money for the deal at once
The seller, if he is a partner of Penenza, pays a commission on the deal. It is used to compensate the interest on the loan provided to the buyer
The buyer pays the remaining amount to Penenza in equal parts during the installment period
Benefits for your business
1 Cr
Increase in working capital
Renewable limit
Provides the ability to use the services regularly
up to 6 months
Comfortable payment terms for bills
No collateral
Ease of obtaining
It takes 10 minutes to calculate the limit
When purchasing from Penenza partner suppliers, interest is paid by them
BNPL-platform Penenza.
You need it if you:
buy goods and services from sole proprietors and legal entities
do not mind getting an amount of up to 1 Crore rupees at 0% per annum (is it possible to be against it?)
want to increase working capital
want to pay bills comfortably without diverting your own funds
How exactly will help the BNPL-installment to the buyers?
”It was necessary to buy goods for sale before the high season started. We didn't have a lot of free funds - there was a risk of missing the start of high sales. As a result, with an installment plan from Penenza, we managed to buy everything we were going to, and make good profit in the season”
I'm buying for the high season
School supplies store
”Working capital is the basis of wholesale trade. With Penenza, we have increased our working capital by 25% in just 1 day. This allowed us to start working with large buyers who pay with a delay”
I’m increasing working capital by 25%
Wholesale supplier of household chemicals
”We used to borrow money from banks, at a high interest rate. It turned out that the suppliers of materials are ready to compensate these percentages for us through Penenza, if we would buy from them. Now we use the funds for free. And the suppliers are happy, they understand that we are with them for a long time”
I don't pay interest on loans
Construction company
”To purchase and install a new production line, we needed to accumulate money for several months. Lost time is lost profit. With the help of a 6-month installment plan from Penenza, we paid 7 times less and started the production process. The products from the new line are already generating revenue.”
I pay 1/7 of the invoice amount
Food Supplier
”Our component suppliers always require prepayment. Buyers of end products, on the contrary, pay after delivery. Our production cycle is long, sometimes we faced cash gaps. With the help of Penenza, we now purchase components in installments, it has become much easier to manage liquidity. There are no cash gaps now”
I'm getting rid of cash gaps
Manufacturer of vending machines
From whom can I buy in installments?
From any supplier from India. If the supplier is signed up to Penenza, the installment plan will be interest-free and the suppliers will compensate the interest for the buyers. Why do suppliers need this? So that you buy from them!
If your favorite supplier is not connected yet, let us know and we will help them to sign up.
Why is the BNPL-installment plan more useful than a bank loan?
Growing limits
No collateral
One-time approval
The credit limit automatically increases for those who pay without delay
Banks often require collateral, which is not mandatory for installments
Sign up to the platform once and use the installment plan as much as you like
You will need to provide
Business KYB docs:
  • Promoter’s Aadhaar Card
  • Address Proof of Business
  • Promoter’s passport size photo
  • Business registration proof
  • Promoter’s PAN Card,
Promoter KYC docs:
  • Company Incorporation Certificate (COI)
  • Memorandum of Association (MOA)
If public / private limited additionally:
  • List of Directors and Shareholding pattern
  • Articles of Association (AOA)
  • PAN Card of Directors
  • Company PAN card
  • Bank statement for last 12 months
Sign up in Penenza! It's easy!
Work with Penenza not only as a buyer, but also as a supplier
Many of our customers are buyers and they do not mind increasing their sales to 54% as a supplier. Growth of the average check by 40% and plus 20% to the number of transactions is another attractive bonus.
Interest-free installments by Penenza business is a new product of our fintech team.
Dmitrii Pangin
We have extensive experience in creating MSME financing infrastructure - we have developed one of the largest crowdlanding platforms in Russia.
Over time more than 15,000 companies received loans
worth $0.5 billion.
Penenza founder
Our previous project was a b2b marketplace ОТС.ru , which was used by more than 400,000 MSME and transactions of more than $5 billion a year were carried out.
Frequently Asked Questions
if you did not find the answer to your question here, please leave a request — our manager will contact you and help to figure everything out.
We work officially and transparently by clarifying all client details in the service agreement. Penenza regularly posts financial reports to the public. We cooperate with the state Startup India Hub.

Our company helps to save you from the risks of installments: you get the money immediately, and your buyer pays us the debt in a period of 1 to 6 months. This insures you against delays and non-payment of debt.
You are a bank or an NBFC?
Large banks, NBFCs and more than 13000 private investors are already investing in installment loans for small businesses on Penenza around the world.
Lend with Penenza with low risks and good yield