What is the name of your organization?
Peabody Soft Private Limited
What is the name of your solution?
MeraBills
Provide a one-line summary or tagline for your solution.
MeraBills is a platform combining skilling, an intuitive bookkeeping app, and ecosystem linkages to help women microenterprises grow and formalize.
In what city, town, or region is your solution team headquartered?
Bengaluru, Karnataka, India
In what country is your solution team headquartered?
IND
What type of organization is your solution team?
For-profit, including B-Corp or similar models
Film your elevator pitch.
What specific problem are you solving?
Across India, over 20 million women-led microenterprises rely on pen-and-paper ledgers - or, worse, mental math - to manage sales, credit, and expenses. Globally, estimates suggest that over 200 million women entrepreneurs face similar challenges, especially those operating at the micro level. Without a reliable system, they often lose track of cash flow, struggle to determine profitability, and can’t effectively manage stock or customer credit. Their undocumented business activities also remain invisible to banks and financial institutions, locking them out of affordable loans and digital payment services. Many existing fintech tools fail to address core barriers faced by these entrepreneurs, including limited digital literacy, low connectivity, multiple local languages, and the need for trust-based training.
As a result, women microentrepreneurs remain undercapitalized, undertrained, and unable to expand beyond subsistence-level operations. This lack of visibility and support keeps them at low incomes and prevents upward mobility. Meanwhile, community organizations, governments, and lenders struggle to reach and empower this segment at scale. Without a holistic, user-friendly bridge between daily bookkeeping and formal networks, women’s businesses remain trapped in informality and miss out on growth opportunities.
What is your solution?
MeraBills is a three-part platform that addresses the entire lifecycle of a woman-led microenterprise:
1. Skilling Platform: We partner with trusted community-based organizations (CSOs) and government programs to deliver hands-on training in local languages. This covers digital recordkeeping, basic financial literacy, and essential business skills. Leveraging existing community relationships fosters trust and ensures higher adoption and retention.
2. MeraBills App: A simple, offline-capable mobile application that helps women track sales, expenses, credit, and inventory. In-app nudges, tutorials, and voice prompts support those with minimal digital experience. Regular use of the app creates a verifiable business history - critical for building confidence and financial credibility.
3. Access Platform: With user consent, aggregated data can be shared with financial institutions, digital marketplaces, or government schemes. This paves the way for formal loans, insurance, and expanded market access - transforming microenterprises into sustainable, growth-oriented ventures.
By integrating community-led skilling with daily digital bookkeeping and a pathway to formal markets, MeraBills tackles low literacy, trust deficits, and exclusionary financial systems in one cohesive solution.
Who does your solution serve, and in what ways will the solution impact their lives?
MeraBills primarily supports low-income women microentrepreneurs across India’s rural, tribal, and semi-urban areas - for example, kirana stores, tailoring parlors, home-based food vendors, and craft workshops - typically earning ₹1.5–₹15 lakh (US$1,750–$17,500) annually. Lacking formal banking and digital skills, they rely on manual methods to track sales and expenses, resulting in limited visibility into profitability, cash flow, and inventory.
Through skilling delivered by CSOs via our platform, women gain confidence to adopt the MeraBills App for daily tracking. They build stronger financial habits, enhance cash flow, and lower overheads. In one implementation, monthly expenses dropped 12% and payment delays fell 20%. Our metrics include a 19.4% 30-day retention rate (well above the 4.1% industry average) and a 4.6-star Play Store rating from 300+ reviews. A digital footprint boosts credibility with lenders, unlocking access to credit, digital payments, and formal savings.
At a broader level, government agencies and CSOs can scale training programs using real-time data to measure profitability and identify needs, while financial institutions design fair, data-driven products like loans and insurance for this underserved segment. Overall, MeraBills improves business outcomes and resilience among women, empowering community partners to scale their impact. Our scalable model provides a blueprint for global replication in diverse low-resource settings.
