software vendors
Collect approved annual value upfront.
- Keep annual contracts
- Offer monthly flexibility
- Avoid running a credit book
financing for Indian B2B software
Annual software.
Monthly breathing room.
A financing checkout designed for Indian B2B software: monthly payments for eligible buyers and approved upfront settlement for vendors through a regulated lender.
Explore the product in a walkthrough. Any financing is subject to programme availability, lender approval and final terms.
illustrative contract
Move the controls to see the cash-flow shape.
buyer principal per month₹1,00,000
before lender APR and charges
vendor settlementupfront
approved contract value, less applicable charges
buyer payments12 equal principal portions
approved vendor settlement
Illustrative principal schedule. APR, fees, taxes, eligibility, amount and tenor are set by the regulated lender and shown in the final offer.
inside KredFlow
One purchase. A clear path to payment.
An illustrative product view shows how a software purchase would move from business verification to lender decision and vendor settlement.
financing request
ApprovedAnnual software purchase
Buyer schedule12 monthly payments
Vendor outcomeApproved value upfront
- Request createdTransaction workflowComplete
- Business verificationGSTIN, entity and signatory checksComplete
- Lender decisionFinal terms ready for reviewApproved
- 4Vendor settlementTransaction workflowReady
4 steps
from contract to settlement
6 groups
in the verification stack
1 checkout
from offer to repayment plan
one clear journey
From signed contract to funded purchase.
KredFlow brings the contract, verification and financing steps into one coordinated experience.
- 01
Choose
Buyer selects an eligible contract and preferred payment period.
- 02
Verify
GSTIN-led onboarding and consented data checks create a complete business profile.
- 03
Approve
The regulated lender assesses the application and presents the final terms.
- 04
Settle
The lender pays the approved vendor amount upfront; the buyer follows the agreed schedule.
the commercial trade-off
A better-shaped software payment.
An at-a-glance view of common ways to pay for a ₹12 lakh annual contract.
| Payment route | Buyer cash flow | Vendor cash flow | What to watch |
|---|---|---|---|
| Annual prepay | ₹12L on day one | Upfront | Large buyer outflow |
| Vendor invoices monthly | ₹1L / month | Monthly | Vendor funds the gap |
| Business card | Card-cycle dependent | Upfront | Limit and revolving cost |
| K KredFlow model | ₹1L principal / month* | Approved amount upfront | Lender APR and approval |
*Illustrative arithmetic before APR, fees and taxes; not an offer or repayment quote.
the decision stack
Six signals. One lender decision.
KredFlow organises the business, purchase, credit and fraud signals needed for a fast, auditable lender decision.
1
Contractvendor · invoice · purpose
2
BusinessGST · MCA · bank account
3
Controlsignatory · ownership · consent
4
Creditcommercial bureau · obligations
5
Cash flowbank and GST data where required
6
Frauddevice · duplication · risk rules
regulated lender
approverefer
decline
The lender applies its policy, confirms pricing and issues the final offer and Key Facts Statement.
See the control modelbuilt for both sides
One checkout. Two healthier cash-flow outcomes.
business buyers
Match software payments to monthly budgets.
- Review full lender terms
- Share data with consent
- Repay the lender directly
regulated credit decision
The RBI-regulated lender shown in the offer sets the policy, makes the final decision and provides the loan.
purpose-specific consent
Each data request explains what is collected, why it is needed, who receives it and how to withdraw future consent.
direct fund flows
The lender pays the approved software vendor directly, and the buyer repays the lender on the agreed schedule.
clear commercial terms
Buyers review the lender, APR, instalments, charges and repayment dates before accepting an offer.
built for commercial teams
Financing that fits the way B2B software is sold and bought.
Vendors keep the value of annual contracts, buyers gain payment flexibility, and finance teams get a clear, documented path from purchase to repayment.
proof you can inspect
Trust should be easy to verify.
KredFlow keeps the product role, data practices and support routes visible—not buried in the financing journey.
Privacy and data handlingSee what KredFlow collects, why it is needed and how enquiries are handled.Review details Regulatory disclosuresUnderstand KredFlow's role, lender responsibilities and the information shown with a financing offer.Review details Clear support routesFind customer-care, escalation and grievance information in one place.Review details
frequently asked
Straight answers for vendors and buyers.
Understand the journey, the information required and how financing decisions are made.
Request a product walkthrough or discuss your software payment requirements. Walkthroughs cover the product experience, transaction fit and integration requirements. Enquiries are not loan applications.
There is no standard rate or financing quote, the cost would depend upon how the vendor wants to split the cost and total repayment and the repayment schedule before acceptance. Calculator figures show principal only and exclude financing costs.
KredFlow connects the software purchase, business verification and financing journey in one experience. The RBI-regulated lender shown in the offer makes the credit decision, provides the loan and disburses the approved amount.
KredFlow serves Indian B2B software vendors that sell annual or multi-period contracts and GST-registered business buyers that prefer a flexible payment schedule.
The journey starts with core business and purchase details, including GSTIN, company or LLP records, authorised-signatory information and the software invoice. Depending on lender policy, additional consented credit or cash-flow information may be required.
For an approved specific-use loan, the regulated lender pays the software vendor directly. The buyer then repays the lender according to the schedule and terms shown in the loan documents.
KredFlow streamlines GSTIN-led onboarding and automated business checks so complete, eligible applications can move quickly. Final approval time depends on data availability, lender policy and whether additional review is required.
for software vendors
Offer flexible payments. Receive approved value upfront.
See how KredFlow can fit your annual contracts, checkout and sales process.
for business buyers
Get the software you need. Spread an eligible purchase.
Understand the verification journey, lender terms and payment schedule before proceeding.