Powerplay Credit, a software-driven solution, leverages real-time project data on the Powerplay platform to deliver collateral-free, zero-interest credit while ensuring disciplined end-use and reducing execution risk.
Homegrown construction tech platform Powerplay has announced the launch of Powerplay Credit, a project-linked working capital solution designed to ease cash flow pressures faced by contractors during active project execution.
Currently live across key construction markets in South India, Powerplay Credit has already undergone early on-ground validation. The company is now scaling adoption across the region, with plans to expand nationwide in 2026.
Commenting on the rollout, Iesh Dixit, CEO, Powerplay, highlighted the demand-supply gap. “We currently build around 9 million homes, but the country will need close to 90 million. Hospital beds need to almost triple, schools need to double, and road and railway capacity must expand significantly within the same timeframe.”
He added, “Contractors are expected to deliver this scale while operating on delayed payments and fragile cash flows. That divide between where India is and where it needs to be is exactly the gap Powerplay Credit is designed to address; embedding working capital and commerce into live projects so work doesn’t stall simply because money isn’t moving fast enough.”
The launch comes at a time when India’s construction sector is witnessing heightened activity across housing, infrastructure, industrial corridors, renewable energy, and urban redevelopment. Contractors, however, continue to grapple with prolonged payment cycles, stage-based billing, and delayed receivables, particularly on large corporate and government projects. These challenges often result in stalled sites, material shortages, and reliance on informal credit.
Unlike traditional financing, Powerplay Credit is embedded directly into material procurement rather than offered as a standalone loan. Credit is capped at the project level and restricted to verified raw material purchases routed through the Powerplay marketplace. No cash is disbursed to contractors, ensuring alignment with approved project specifications and reducing diversion risk.
Software-Linked Financing
At its core, Powerplay Credit is software-driven. It leverages real-time project data already captured on the Powerplay platform, covering site activity, material consumption, procurement patterns, and execution progress. This data-backed structure enables collateral-free, zero-interest credit while tightly controlling end-use and reducing execution risk.
For banking partners, the solution reduces underwriting friction. Instead of static documentation or manual site checks, lenders gain access to verified, live execution data at the project level. This improves risk visibility, shortens decision cycles, lowers monitoring costs, and ensures credit is deployed strictly for construction execution.
The solution is designed for both small and mid-sized contractors. Smaller firms, often excluded from formal banking eligibility, gain access to structured credit. Mid-sized contractors benefit from a model that scales across parallel projects. Vendor participation in the credit flow is optional, providing operational flexibility while retaining transaction-level visibility.
Risk management is embedded in product design rather than collateral or heavy documentation. Credit usage is restricted to raw materials, linked to live projects, and monitored through execution data, allowing collateral-free, zero-interest credit while maintaining financial discipline.