For software vendors
Preserve annual-contract economics, give buyers payment flexibility and receive the approved vendor amount upfront.
B2B software financing · India
B2B software financing in India, explained.
B2B software financing lets an eligible Indian business acquire software now and repay an RBI-regulated lender on an agreed schedule, while the software vendor receives the approved contract value upfront. KredFlow coordinates the purchase, business verification and lender workflow in one experience.
Discuss your transaction requirements in a product walkthrough. Financing is subject to programme availability, lender approval and final terms.
the model
What is B2B software financing?
It is purpose-linked business finance for a documented software purchase. The buyer selects an eligible annual or multi-period contract, shares the required business information with consent and reviews the lender's final terms before accepting.
KredFlow provides the technology layer between the vendor, buyer and lender. The regulated lender applies its credit policy, makes the final decision, issues the Key Facts Statement and loan documents, and controls disbursal and repayment.
practical value
Why vendors and buyers use it
For business buyers
Spread an eligible software purchase across a defined schedule instead of making one large upfront payment.
For finance teams
Keep the invoice, business checks, lender terms and transaction status in one documented workflow.
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
Select the software purchase
The vendor or buyer starts with the contract, invoice, purpose and preferred payment period.
- 02
Verify the business
GSTIN-led onboarding combines entity, signatory, ownership and consented financial checks where required.
- 03
Review the lender offer
The regulated lender assesses eligibility and presents the amount, APR, charges, instalments and repayment dates.
- 04
Settle and repay
For an approved purchase, the lender pays the vendor directly and the buyer repays the lender under the accepted terms.
What to check before proceeding
- Approval is not automatic; it depends on lender policy, the buyer's profile, the purchase and the information available.
- Compare the APR, total repayment amount, charges, tenor and payment dates—not only the monthly instalment.
- Confirm the software scope, cancellation terms and implementation responsibilities separately from the financing agreement.
frequently asked
Direct answers.
Understand the proposed payment model, its costs and the responsibilities of each party.
KredFlow is the financing technology and transaction layer. The RBI-regulated bank or NBFC identified in the offer provides the loan and makes the final credit decision.
For an approved transaction, the lender can settle the approved vendor amount upfront, subject to the final commercial and financing terms.
The journey generally begins with GSTIN, entity and signatory details, ownership information and the software invoice. A lender may request additional consented credit or cash-flow information.
KredFlow is structured for fast digital checks. Actual timing depends on data completeness, lender policy and whether the application needs additional review.
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