Vendor cash-flow visibility
Receive the approved contract value upfront instead of waiting through a monthly invoice cycle.
annual SaaS · monthly payments
Keep the annual SaaS contract. Give the buyer a monthly schedule.
An annual SaaS contract and monthly buyer payments can coexist when a regulated lender finances the eligible purchase. The vendor keeps the annual commercial commitment and receives the approved amount upfront; the buyer repays the lender on the accepted schedule.
Discuss your transaction requirements in a product walkthrough. Financing is subject to programme availability, lender approval and final terms.
the model
This is financing, not monthly vendor billing
With monthly vendor billing, the vendor collects over time and may carry cancellation, collection and cash-flow risk. With purchase financing, the annual software contract remains between vendor and buyer while the lender provides a separate payment schedule for the approved purchase.
The buyer should evaluate the financing agreement independently from the software contract. The lender's APR and charges affect the total cost even when the principal is divided into equal monthly portions.
practical value
A better fit for both cash cycles
Buyer budget flexibility
Spread an eligible annual software purchase across a predictable, disclosed schedule.
One documented transaction
Keep the order, financing terms, verification status, settlement and repayment plan connected.
inside the experience
A clear path from purchase to payment schedule.
See how the contract, business verification, lender decision and settlement status come together in KredFlow.
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
how it works
Four steps, with the lender decision kept clear.
- 01
Agree the annual contract
Vendor and buyer confirm the software scope, value and commercial obligations.
- 02
Choose financing
The buyer selects an available payment period and completes the business-verification journey.
- 03
Accept lender terms
The buyer reviews the approved amount, APR, charges, instalments and Key Facts Statement.
- 04
Start the software term
The lender settles the approved vendor amount and the buyer begins the repayment schedule.
What to check before proceeding
- Monthly principal is not the same as the final monthly instalment once APR, fees and taxes are included.
- An approved financing schedule does not alter software implementation, service levels, cancellation or refund terms.
- Vendors should explain clearly that the lender provides financing and that buyer approval is subject to lender policy.
frequently asked
Direct answers.
Understand the payment model, its costs and the responsibilities of each party.
Accounting treatment depends on the contract and applicable accounting standards. KredFlow changes payment timing, not the vendor's responsibility to apply the correct revenue-recognition policy.
The buyer repays the regulated lender according to the accepted loan documents and repayment schedule.
For an approved transaction, the lender can pay the approved vendor amount upfront, subject to applicable commercial terms and deductions.
Available tenors and payment frequency depend on the lender's approved offer for the buyer and transaction.
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