For small and medium-sized businesses (SMBs), cash flow isn’t just a challenge—it’s a constant battle. Many businesses generate solid revenue but still struggle to pay vendors, cover payroll, or manage day-to-day operations. Delayed payments, rigid banking systems, and limited access to credit all contribute to this problem, making it difficult for SMBs to stay afloat.
Sabeer Nelli, the founder and CEO of Zil Money, recognized this gap early on. He saw that many businesses weren’t failing due to lack of sales but because of poor payment flexibility and unpredictable cash flow cycles. That’s why he built Zil Money—to give SMBs more control over their finances and ensure they never have to halt operations due to cash shortages.
One of the biggest pain points for SMBs is that many expenses—like rent, payroll, and supplier payments—can’t be covered with a credit card. Many landlords and vendors still insist on checks or ACH transfers, leaving businesses with few options when cash is tight. Zil Money solves this by allowing businesses to pay these expenses with credit cards, even when the recipient only accepts checks or bank transfers. This gives businesses a much-needed financial buffer without relying on costly short-term loans.
Another issue is slow bank transfers and payment processing times, which can tie up funds for days. A delay in receiving customer payments can throw off an entire month’s financial planning. Zil Money speeds up transactions by offering instant check payments, ACH transfers, and wire payments, ensuring that businesses get paid and can pay others without unnecessary waiting periods.
For SMBs that still rely on paper checks, Zil Money makes the process faster and more efficient. Businesses can print their own checks, mail them directly through USPS or FedEx, or send bulk check payments without handling stacks of paperwork. This helps companies streamline operations and avoid cash flow disruptions caused by outdated banking systems.
Sabeer Nelli isn’t just offering another fintech tool—he’s helping businesses take back control of their money. By giving SMBs the ability to manage cash flow on their own terms, he’s ensuring that companies don’t just survive but have the financial flexibility to grow and scale without roadblocks.