Pemant is a digital cashflow management tool that offers a digital line of credit upto INR 2,00,000 to micro and small businesses through an Android App. Using this credit limit, users can make real-time payments for supplier payments, purchase payments for buying input materials and goods, labour payments to workers which will be then settled by the user within 90 Days. The user pays interest only on the utilized portion of the limit thus reducing the interest burden.