software vendors
Collect approved annual value upfront.
- Keep annual contracts
- Offer monthly flexibility
- Avoid running a credit book
built for Indian B2B software
Annual software.
Monthly breathing room.
One integrated checkout that lets buyers spread payments while vendors receive the approved contract value upfront from a regulated lender.
KredFlow is not a lender. No loan application or credit offer is currently available on this website.
illustrative contract
Move the controls to see the cash-flow shape.
buyer principal per month₹1,00,000
before lender APR and charges
vendor settlementupfront
subject to lender approval and deductions
buyer payments12 equal principal portions
approved vendor settlement
Illustration only. It excludes APR, fees, taxes and any lender deductions. Final eligibility, amount, tenor and pricing are decided by the regulated lender.
4 steps
from contract to settlement
6 groups
in the verification stack
0 accounts
KredFlow pass-through accounts
one clear journey
From signed contract to funded purchase.
KredFlow organises the experience. The regulated lender controls the credit decision and money movement.
- 01
Choose
Buyer selects an eligible contract and preferred payment period.
- 02
Verify
KredFlow collects consent and prepares the business verification case.
- 03
Decide
The regulated lender evaluates, prices and documents the loan.
- 04
Settle
Lender pays the approved beneficiary; buyer repays the lender.
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 model | ₹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.
The final checklist will be agreed with the lending partner. KredFlow can prepare the data, evidence and audit trail.
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
Policy, pricing, KFS, sanction and disbursal remain lender-controlled.
See the control modelbuilt for both sides
One checkout. Two healthier cash-flow outcomes.
business buyers
Match software payments to monthly budgets.
- Review full lender terms
- Share data with consent
- Repay the lender directly
regulated lender in control
The named bank or NBFC sets the policy, makes the final decision and owns the borrower relationship for 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
Disbursal and repayment routes are designed to avoid any KredFlow pool or pass-through account.
one disclosure centre
Product status, lender details, service activities, customer care, grievance routes and regulatory links stay easy to find.
lender governance
we will not present a lender partnership before it is formally appointed.
KredFlow is evaluating its lending architecture. The live lender name, product terms and grievance contacts will be published only after the agreement and operating model are approved.
frequently asked
Straight answers, before any commitment.
Product availability, eligibility, pricing and timelines remain subject to the appointed lender's approved policy.
vendor financing assessment
See how KredFlow fits your sales motion.
Share your contract sizes, buyer profile and current payment friction. We will map where financing fits and which lender-policy decisions remain.