It’s the 5th of the month. Your team is expecting their salary. Your CA is nudging you to clear PF, ESI, TDS. And your biggest customer? Still hasn’t paid last month’s invoice.
📉 Your receivables are delayed — 15, 30, sometimes even 60 to 90 days. But monthly obligations like payroll, PF, ESI, TDS, and vendor payments don’t wait.
🔄 Some months, you manage. You shuffle vendor payments. Hold off purchases. Even dip into personal savings — because your people can’t wait.
💡 But that stress shouldn't be your monthly routine.
That’s why we built Aaro7. We give you a short-term credit line — enough to fund payroll and compliance — without collateral, and without fixed EMIs.
💰 You repay when your receivables come in. And you stay focused on growing your business — without losing sleep.
- 💸 Get capital to fund payroll & dues on time, every month
- ⏳ Repay only when receivables clear — no fixed EMI
- 🧾 One-click payouts to employees and compliance portals — no misuse
- 📈 Keep working capital free for growth, vendors, and operations
- 🤝 Builds trust with your team — and happy employees build happy companies
- Onboard via payroll upload or software integration
- Aaro7 reads: net salaries, PF, ESI, TDS, PT dues
- Receive a rolling OD limit based on business health and risk score
- On 1st of the month: OD used to pay salaries + compliance dues
- Repayment schedule tailored to your industry’s credit cycle (30/45/60/90 days)
- Auto-debit or OD rollover with interest adjustment if receivables are delayed
- OD refreshes next month → monthly support, no hassle
- ❌ No rigid EMI structure
- 📅 Interest only for the days OD is used
- 🔁 Flexible rollovers if receivables are late
- 🕒 Built to match real business cash cycles
We prioritize funding for women-led MSMEs and businesses with over 50% women workforce. Supporting women in business isn’t an option — it’s our mission.
- 💪 Priority onboarding & risk consideration for women-led enterprises
- 👩🔬 Better predictability and lower default risk among women promoters
- ❤️ Aaro7 is committed to economic empowerment through inclusive credit
We run small businesses too. We know that clients don’t always pay on time — but your people still show up every day. That’s why we built Aaro7 — to support the most critical part of your business, without adding stress or debt burden.
Upload your payroll or connect your HR software, get your OD limit, and never miss salary day again.