For sales
Keep the discussion on value.
When the upfront bill becomes an objection, discuss a payment schedule alongside the annual contract before revisiting the price.
financing for Indian B2B software
Annual software.
Monthly breathing room.
Give business buyers room to pay over time while your team collects the approved contract value upfront. KredFlow connects the software purchase, business verification and lender review in one checkout.
Financing is subject to programme availability, lender approval and final terms.
software payment calculator
Adjust the contract value and payment period.
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.
when payment timing holds up the deal
Agree on the software. Find a better way to pay.
An annual contract can work for both teams, even when their cash-flow needs differ. KredFlow brings a lender-approved payment option into that conversation.
For finance
Separate settlement from repayment.
For approved purchases, the lender settles the agreed vendor amount. The buyer then repays the lender under the loan terms.
For buyers
Plan around the full cost.
Compare the upfront purchase with the lender’s repayment schedule, including APR and charges, before making a commitment.
inside KredFlow
One purchase. A clear path to payment.
Follow the purchase from business verification to lender review and vendor settlement, with each step in one place.
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
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 | ₹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.
software vendors
Collect approved annual value upfront.
- Keep annual contracts
- Offer monthly flexibility
- Avoid running a credit book
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.
KredFlow brings the software contract, business verification and lender review into one checkout. For approved transactions, the vendor receives the approved amount upfront and the buyer repays the lender on the agreed schedule. Contact our team to discuss your contracts and integration requirements.
There is no standard financing rate on this website. The regulated lender sets the APR, fees, approved amount and repayment schedule for each eligible transaction. Buyers review the total repayment and all charges 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.
Bring an annual contract to the conversation. We’ll walk through buyer eligibility, payment options and vendor settlement.
for business buyers
Get the software you need. Spread an eligible purchase.
Understand the verification journey, lender terms and payment schedule before proceeding.