Raftal replaces the paper khata with a credit management platform built for retailers — track every rupee owed, remind customers automatically, and see your business in real time.
Raftal is built around a single source of truth: who owes you, how much, and since when — kept current automatically.
Log a credit sale in seconds. Every transaction is saved to the cloud instantly, so the ledger is always current — on the shop counter or from home.
Raftal sends SMS and WhatsApp nudges before and after a due date — so retailers stop chasing customers by phone.
Understand who your top customers are, how collections trend over time, and where credit risk is building — all backed up automatically.
Most retailers still track credit in a notebook. It works — until it doesn't.
One platform, growing with the business — from a single shop counter to a multi-branch operation.
Track every customer's balance in real time, with full history.
One profile per customer with full transaction context.
Understand collections, risk, and growth at a glance.
Automatic SMS and WhatsApp nudges before due dates.
Track stock and products alongside customer credit.
Ask questions about your business in plain language.
Manage several outlets from a single dashboard.
Encrypted storage with automatic, continuous backup.
Credit management is the foundation. Every layer after it connects retailers, wholesalers and manufacturers on one platform.
Digital ledger, reminders, reports — live today.
Full platform access from the shop counter.
Stock, products, and purchase tracking.
Connect retailers directly to wholesalers.
Extend the ledger up the supply chain.
Insights, forecasting, and automation by AI.
Give small retailers the same digital tools larger businesses already take for granted.
To become the operating system retailers, wholesalers and manufacturers run their business on.
Simple over clever. Reliable over flashy. Built for the person actually running the shop.
Full-stack engineer focused on building practical products for India's small businesses.
Raftal changed how I manage credit. It's simple, fast, and I finally trust my own numbers.
The automated reminders alone have made collections so much easier. Payments come in faster now.
Finally a tool that understands how retailers actually work, instead of forcing us into spreadsheets.
Whether you're a retailer, an investor, or just curious — we'd like to hear from you.
office@raftal.in
+91 7007498366
Lucknow, Uttar Pradesh, India
Join the retailers already moving their credit ledger to Raftal.