Peppertree.AI Private Limited

In their own words

GIROPie is a patent-pending fintech platform that redefines Working Capital Management for the B2B sector by automating Accounts Receivable (AR) collections and Accounts Payable (AP) payments in a single integrated solution. Unlike conventional payment platforms that only facilitate fund transfers, GIROPie’s innovation lies in creating a credit-optimized payment flow with embedded trade credit insurance, bill discounting, and ERP/CRM integration. The core novelty is its ability to link distributors, retailers, MSMEs, suppliers, and banks into one ecosystem, ensuring faster cash conversion cycles and reduced credit risk. The platform leverages NPCI-backed payment infrastructure, sponsor bank partnerships, and APIs to deliver real-time reconciliation and automated settlements. This significantly reduces manual intervention, errors, and delays in B2B trade payments. GIROPie introduces a unique “Collect & Pay” mechanism: Automated AR Collection: Trade invoices are digitally tracked, insured, and collected through integrated payment rails. Automated AP Payment: Businesses can schedule and optimize vendor payments, aligned with receivables and working capital requirements. The novelty also extends to risk mitigation and financing access. Through partnerships with bill discounting platforms (TReDS, EZFunds) and trade credit insurers (TATA AIG), GIROPie transforms receivables into liquid assets while protecting businesses from defaults. This creates an inclusive credit ecosystem for MSMEs that are traditionally underserved by banks. Technologically, the solution is built on a secure, PCI DSS-compliant architecture, ensuring data protection and regulatory compliance. It integrates seamlessly with ERP/CRM systems (via partners like PharmIT), enabling real-time data sync for finance teams without disrupting existing business workflows. Another unique aspect is GIROPie’s multi-utility framework: Financial Inclusion: Extends affordable credit and insurance to small distributors and MSMEs. Working Capital Redefined: Optimizes the cash cycle by aligning receivables, payables, and credit access in one system. Scalability: Designed as a modular SaaS platform that can be deployed across industries like FMCG, Pharma, and Manufacturing. The platform’s innovation has been recognized by IIT Madras, IIM Kozhikode, and STPI Gandhinagar, and it has received support from both Central and State Government programs. Unlike existing B2B payment aggregators, GIROPie is not limited to processing payments but re-engineers the entire trade credit lifecycle, making it a game-changing fintech solution for India’s $800B+ B2B market. By combining automation, compliance, and financial innovation, GIROPie delivers a solution that is both technologically advanced and socio-economically impactful — ensuring MSMEs can access timely working capital, reduce defaults, and grow sustainably.

Written by the company on its public Startup India profile. Not verified by us.

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