Powerplay, India’s construction technology platform, has announced the rollout of Powerplay Credit, a project-linked working capital solution aimed at easing cash flow constraints faced by contractors during active project execution.

Powerplay Credit is currently live across key construction markets in South India, where contractors typically manage multiple sites and operate within extended payment cycles. Following early on-ground validation, the company is scaling adoption across the region, with plans to expand nationwide in 2026.

The rollout comes amid heightened activity in India’s construction sector across infrastructure, housing, industrial corridors, renewable energy and urban redevelopment. Contractors continue to face delayed receivables, stage-based billing structures and long payment cycles, particularly on large government and corporate projects, often resulting in stalled execution and reliance on informal credit.

Unlike conventional loans, Powerplay Credit is embedded directly into material procurement through the Powerplay marketplace. Credit is capped at the project level and can only be used for verified raw material purchases aligned with approved project specifications, with no cash disbursement to contractors.

The solution is software-led, leveraging real-time project data captured on the platform, including site activity, material consumption and execution progress. This enables collateral-free, zero-interest credit while maintaining strict control over end use.

Commenting on the rollout, Iesh Dixit, said the scale of India’s infrastructure and housing needs requires contractors to deliver growth despite fragile cash flows, a gap the new credit model aims to address by embedding working capital into live projects.

For banking partners, the model reduces underwriting friction by providing access to verified, live execution data instead of static documentation, improving risk visibility and monitoring efficiency.

The solution is targeted at both small and mid-sized contractors, offering structured access to credit for smaller firms and scalable financing for mid-sized players managing multiple parallel projects.