Fintech startups in India, like Converj, are addressing the $350 billion credit gap for small and medium-sized businesses. Converj facilitates B2B payments by converting them into card transactions, offering transparency and data insights to lenders and companies. Converj, founded in July 2020, has raised $2.8M. It partners with banks to introduce the Treasury Card solution for corporates to pay vendors instantly using a bank-issued credit card, unlocking discounts and working capital. B2B payment volume in India is $8T annually with a $80-90B immediate credit opportunity. Startups like Converj are entering the evolving B2B payments market at a crucial time. They offer solutions that unlock credit opportunities, support business expansion, and contribute to the formalization and digitalization of payments, especially for MSMEs. The NPCI is also exploring B2B payments through IMPS rails, potentially catalyzing India's B2B corporate payments landscape.