Mumbai-based startup TimePay is a cloud-based application that can help customers understand their working capital cycle and collect their receivables on time. Timpay is a ‘SaaS virtual collections manager’ that reduces the credit cycle by 12 days because it nudges the vendors through reminders to pay up. This SaaS software integrates with all ERPs and tracks the credit cycle. Using machine learning it predicts the working capital cycle of the company and nudges dues to be paid. This application can integrate with Tally and QuickBooks. TimePay has clients across cities and verticals including chemicals, polymers, electrical, packaging, printing, professional services, software, and legal.