Preserve working capital
Replace a single eligible upfront purchase payment with lender-approved instalments.
software purchase financing
Finance an annual software purchase without one large upfront outflow.
Software purchase financing allows an eligible business to fund a documented software contract through an RBI-regulated lender. The vendor receives the approved amount directly, and the buyer repays the lender under a clearly disclosed schedule.
Discuss your transaction requirements in a product walkthrough. Financing is subject to programme availability, lender approval and final terms.
the model
When is software purchase financing useful?
It can help when a business needs important software now but wants payment timing to align more closely with monthly operating cash flow. It is most relevant for clearly scoped annual or multi-period B2B software contracts.
Financing does not change the software itself. Product access, implementation, support, cancellation and refund obligations remain governed by the buyer's agreement with the software vendor.
practical value
A clearer procurement path
Review the full cost
See the lender, APR, charges, instalments, total repayment and dates before accepting.
Keep the purchase linked
Connect the financing request to the software order, invoice, vendor and stated end use.
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.
purchase summary
Secure reviewReview your software financing
Annual software contract₹12,00,000Illustrative value
Monthly principal₹1,00,00012 months · before APR and charges
Business details reviewed Payment schedule selected Lender terms shown before acceptance
Review final offer
how it works
Four steps, with the lender decision kept clear.
- 01
Share the purchase
Provide the software vendor, contract value, invoice and preferred payment period.
- 02
Complete KYB
Use GSTIN and company information to verify the business, ownership and authorised signatory.
- 03
Consider the offer
Review the lender's approved amount, APR, charges, repayment schedule and Key Facts Statement.
- 04
Confirm settlement
After acceptance, the lender pays the approved vendor amount and the repayment schedule begins.
What to check before proceeding
- Check that the repayment schedule fits expected cash flow, including seasonal or concentrated revenue periods.
- Read the Key Facts Statement and understand late-payment or penal charges before accepting.
- Do not share passwords or OTPs. Provide financial information only through the consented, lender-approved journey.
frequently asked
Direct answers.
Understand the proposed payment model, its costs and the responsibilities of each party.
Requirements vary, but the process generally uses GSTIN, PAN or company records, authorised-signatory details, ownership information and the software invoice.
No. The regulated lender makes the final decision under its credit policy, and the software vendor remains responsible for the product and contract.
For an approved purpose-linked transaction, the lender pays the software vendor directly rather than routing the disbursal through KredFlow.
A monthly schedule may be available where approved by the lender. The final tenor, frequency, APR and charges appear in the offer.
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