Annual commitment stays intact
The commercial contract does not need to become cancellable monthly billing simply because the buyer prefers monthly cash outflows.
SaaS financing · India
SaaS financing for Indian software vendors and buyers.
SaaS financing can mean capital for a software company or financing for a customer's software purchase. KredFlow focuses on the second model: an eligible buyer pays an RBI-regulated lender over time while the SaaS vendor receives the approved contract value upfront.
Discuss your transaction requirements in a product walkthrough. Financing is subject to programme availability, lender approval and final terms.
the model
Which kind of SaaS financing does KredFlow provide?
KredFlow supports vendor-enabled purchase financing. It is attached to a specific B2B software contract rather than being a general-purpose cash advance to the SaaS company.
This separates contract duration from payment timing. A vendor can keep an annual or multi-year commercial agreement while an eligible buyer chooses a lender-approved repayment schedule.
practical value
What the model changes
The vendor avoids financing the buyer
Credit assessment, loan documentation and repayment remain with the regulated lender.
The buyer sees one clear schedule
The final offer sets out APR, charges, instalments and dates before acceptance.
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
Attach financing to the quote
Start from a documented software proposal, order form or invoice.
- 02
Complete business onboarding
Collect core entity and authorised-signatory information through a GSTIN-led journey.
- 03
Receive the lender decision
The lender applies its policy and presents approved terms to the buyer.
- 04
Activate the contract
After acceptance and settlement, the vendor can proceed with the software delivery while the buyer follows the lender schedule.
What to check before proceeding
- Purchase financing is different from revenue-based financing, venture debt or a working-capital line for the software vendor.
- The buyer should compare total financing cost and payment obligations with annual prepay, monthly vendor billing and other available options.
- The vendor should keep product, implementation, cancellation and refund terms clear because those obligations remain part of the software contract.
frequently asked
Direct answers.
Understand the payment model, its costs and the responsibilities of each party.
In KredFlow's purchase-financing model, the eligible business buyer is assessed for the financing. The vendor receives the approved settlement for the underlying software purchase.
Yes. The model is designed to preserve an annual or multi-period contract while giving an approved buyer a defined payment schedule.
KredFlow can begin with a hosted financing link and can also fit into a vendor workspace, CRM, CPQ or checkout workflow.
The RBI-regulated lender sets credit policy and confirms the approved amount, tenor, APR, charges and repayment terms.
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