KredFlow insights
notes from the software-financing stack.
Educational explainers for SaaS teams and finance leaders. Not legal, tax, accounting or credit advice.
Working Capital & CFO
10 notes
2026-08-21
13-Week Cash Flow Forecasting: Why CFOs Swear By It
The 13-week cash flow forecast explained — how to build one, what to include, and why Indian CFOs rely on it to survive GST cycles and payment delays.
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2026-08-21
Accounts Receivable Best Practices: Getting Paid Faster in India
Proven accounts receivable best practices for Indian businesses — credit policies, GST-ready invoicing, collection cadence and automation that cut DSO.
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2026-08-21
Budgeting for IT Spend: A Finance Team's Guide
Build a smarter IT budget — categories, benchmarks, hidden costs, GST and TDS notes, plus how Indian finance teams can control SaaS sprawl and cash timing.
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2026-08-21
How to Read a Cash Flow Statement: A Founder-Friendly Guide
Decode the cash flow statement in plain English — operating, investing and financing activities explained with Indian ₹ examples and GST notes.
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2026-08-21
How MSMEs Can Improve Liquidity Without Taking on Debt
Practical, debt-free liquidity strategies for Indian MSMEs — faster collections, smarter payables, GST timing and asset optimisation, with ₹ examples.
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2026-08-21
Opex vs Capex: How Software Purchases Are Classified
Opex vs capex for software explained for Indian businesses — GST, depreciation, Section 32 rules, and why the classification changes your taxes and cash flow.
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2026-08-21
Prepaid Expenses vs Accrued Liabilities: Accounting Basics for Founders
Understand prepaid expenses vs accrued liabilities with simple Indian ₹ examples — how each affects your balance sheet, P&L and cash flow timing.
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2026-08-21
Trade Credit: The Invisible Loan Inside Every B2B Deal
Trade credit is India's biggest unpriced loan. Learn how 30/60/90-day terms really work, what they cost, and how to use them strategically.
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2026-08-21
Vendor Payment Terms Negotiation: A Buyer's Playbook
Negotiate better vendor payment terms with this buyer's playbook — leverage tactics, ₹ examples, early-payment discounts and win-win structures for India.
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2026-08-21
Working Capital Management for Growing Indian Businesses: A Practical Guide
Learn how growing Indian businesses can manage working capital better — with ₹-based examples, GST insights and practical tactics that free up cash.
read note →Fintech & Regulation
10 notes
2026-08-21
Account Aggregator Framework: Consent-Based Financial Data in India
India's Account Aggregator framework lets you share bank and financial data securely with a single click. How the AA network works and why it matters.
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2026-08-21
Co-Lending Model Explained: How Banks and NBFCs Share Loans in India
The RBI's co-lending framework lets banks and NBFCs jointly fund loans. How the 80:20 split, 10% retention and blended rates actually work.
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2026-08-21
Data Localisation Rules for Indian Fintechs Explained
RBI's payment data localisation rule and India's DPDP Act shape where fintechs store data. What's required, what's not, and how to stay compliant.
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2026-08-21
FLDG / DLG Explained: India's 5% Default Guarantee Cap
First Loss Default Guarantee deals shaped Indian fintech lending — until RBI capped them at 5%. How DLG works, why it was capped, and what's allowed now.
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2026-08-21
The GIFT City Advantage: USD Lending for Indian Startups Explained
GIFT IFSC lets Indian startups borrow in foreign currency at global rates. How IFSC Banking Units work, who qualifies, and why it matters.
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2026-08-21
How GST Data Is Powering New-Age Credit Underwriting in India
GST filings are becoming India's most powerful underwriting signal. How lenders use GST returns to underwrite MSMEs and businesses without collateral.
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2026-08-21
NBFC vs Bank in India: Who Really Funds Fintech Lending?
Banks have cheap deposits, NBFCs have agility. Here's how the two split India's lending market and what it means for fintech partnerships.
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2026-08-21
RBI Digital Lending Rules Explained for Fintech Startups (2025 Guide)
A plain-English breakdown of the RBI Digital Lending Directions 2025 — LSPs, FLDG caps, direct disbursal and what they mean for fintech startups.
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2026-08-21
RBI Regulatory Sandbox: Can Fintechs Test New Products in India?
The RBI's regulatory sandbox lets fintechs test innovative products with real customers under supervision. How it works, themes, and whether to apply.
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2026-08-21
What Is an LSP (Lending Service Provider) in India? Role, Rules & Examples
Lending Service Providers are the backbone of India's digital lending stack. Here's what an LSP does, what it cannot do, and how RBI rules apply.
read note →SMB Buying Guides
10 notes
2026-08-21
Accounting Software for GST Compliance: Options Compared
Compare Indian accounting software for GST compliance — Tally, Zoho Books, Busy and more — with pricing, features, and selection tips.
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2026-08-21
How Indian Businesses Should Budget for Software Subscriptions
A practical framework for Indian SMBs to budget for SaaS subscriptions — per-seat costs, GST, renewals, and payment flexibility.
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2026-08-21
CRM Software Costs in India: Complete Pricing Guide (2026)
What CRM software really costs Indian businesses — per-seat rates, GST, hidden fees, and how to pick a plan that fits your budget.
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2026-08-21
How to Evaluate SaaS Tools for Your Business: A Practical Checklist
A step-by-step checklist for Indian businesses evaluating SaaS tools — pricing, security, GST, integrations, trials, and support.
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2026-08-21
Free vs Paid Business Software: When Upgrading Makes Sense
When should an Indian business pay for software instead of using free plans? Costs, limits, GST, and clear upgrade triggers explained.
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2026-08-21
Hidden Costs of Business Software: Implementation, Training & Add-Ons
Beyond the sticker price: the hidden costs of business software for Indian SMBs — setup, training, add-ons, integrations, and switching.
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2026-08-21
How Many SaaS Tools Does a 50-Person Company Actually Need?
A realistic SaaS stack for a 50-person Indian company — essential categories, typical monthly spend, and how to avoid tool sprawl.
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2026-08-21
HRMS Software Pricing in India: What to Expect in 2026
Real HRMS software costs for Indian businesses — per-employee pricing, GST, implementation fees, and budgeting tips for SMBs.
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2026-08-21
Negotiating SaaS Contracts: What Buyers Can (and Should) Ask For
Practical SaaS contract negotiation tips for Indian businesses — discounts, payment terms, price locks, SLAs, and exit clauses.
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2026-08-21
SaaS Procurement in India: Approval Workflows and Payment Terms
How Indian companies should structure SaaS procurement — approval workflows, GST invoicing, TDS, vendor due diligence, and payment terms.
read note →Global Comparisons
16 notes
2026-08-21
Affirm for Business: Consumer BNPL Lessons for B2B
Affirm built a $20B+ consumer BNPL machine. Its hard-won lessons — approval speed, merchant funding, repayment design — map directly onto B2B.
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2026-08-21
How Capchase Pioneered Vendor Financing for SaaS
Capchase showed the world that SaaS contracts could be financed. Here's how the model works and what Indian vendors can learn from it.
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2026-08-21
How European SaaS Vendors Handle Payment Flexibility
From quarterly invoicing to embedded financing, Europe's SaaS payment norms differ from both the US and India. Here's the landscape.
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2026-08-21
How Ramp and Brex Bundle Credit with SaaS Spend
Ramp and Brex turned corporate cards into SaaS management platforms. Inside spend-management fintech and its lessons for Indian B2B financing.
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2026-08-21
Marketplace Lending vs Balance Sheet Lending Explained
Who actually holds the loan? The difference between marketplace and balance sheet lending — and why it determines who bears risk in B2B financing.
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2026-08-21
Multi-Year Contracts: Financing 2-3 Year Software Deals
Multi-year SaaS contracts lock in revenue but create huge invoices. How financing 24-36 month deals works for vendors and buyers in India.
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2026-08-21
From Pilot to Portfolio: Scaling a Lending Book Responsibly
Every lending business starts with a pilot. The hard part is scaling it without blowing up credit quality. A playbook for growing a book responsibly.
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2026-08-21
Pipe's Pivot: Lessons from the Recurring Revenue Marketplace
Pipe started as a marketplace for SaaS revenue and reinvented itself twice. Its journey holds real lessons for embedded B2B financing in India.
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2026-08-21
The Role of Collections in BNPL Success: Mandates and Retries
Lending is easy; collecting is hard. How UPI Autopay mandates, smart retries, and escalation design decide BNPL unit economics in India.
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2026-08-21
Stripe Capital and the Payments-Embedded Lending Model
Stripe Capital lends using payments data its own platform generates. Inside the embedded lending model and what it means for Indian SaaS.
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2026-08-21
The Unit Economics of B2B Lending: Spreads, Losses and Margins
What actually makes a B2B lending book profitable? A plain-English breakdown of spreads, credit losses, operating costs, and ROE.
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2026-08-21
US B2B BNPL Market vs India: What's Different
Both markets are exploding in B2B buy-now-pay-later — but cards, credit data, rails, and regulation differ sharply between the US and India.
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2026-08-21
What Happens When a Financed Customer Churns Mid-Contract
A buyer stops paying month seven of twelve — who bears the loss? Inside default mechanics, vendor obligations, and risk allocation in SaaS financing.
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2026-08-21
What Is Revenue-Based Financing and When It Makes Sense
Revenue-based financing lets businesses repay as a share of monthly sales. Here's how RBF works, what it costs, and when to choose it.
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2026-08-21
White-Label Financing: SaaS Platforms as Lending Front-Ends
SaaS platforms are becoming lending front-ends — offering financing under their own brand while regulated lenders hold the risk. How it works.
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2026-08-21
Why SaaS Companies Discount: The Psychology of Prepay
Annual prepay discounts feel free but cost SaaS vendors dearly. The behavioural economics behind prepayment — and smarter alternatives.
read note →Growth & Market Insights
10 notes
2026-08-21
AI Agents in B2B Payments: What's Coming Next
Autonomous AI agents are moving from demos to invoice queues and payment approvals. A grounded look at what changes in B2B payments.
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2026-08-21
Building for Bharat: Product Lessons from India's Hinterland Economy
Tier-2/3 India isn't a smaller version of metro India. Hard-won product lessons from building software for the hinterland economy.
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2026-08-21
The Checkout Experience Problem in B2B Software
B2B software checkout is stuck in 2010: quotes, contracts, upfront invoices. Why fixing the buying moment is the industry's biggest growth lever.
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2026-08-21
Embedded Finance: The Quiet Revolution in B2B Software
Payments, credit and insurance are disappearing into software workflows. How embedded finance is rewiring India's B2B economy.
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2026-08-21
Why Every SaaS Company Will Become a Fintech Company
Payments, lending and insurance are becoming standard SaaS features. The case that fintech-attach is the next decade's biggest software margin story.
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2026-08-21
India's $100 Billion Software Opportunity, Explained
India's software industry is racing toward $100 billion in annual revenue. Here's what's driving the growth — and who's positioned to capture it.
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2026-08-21
The Rise of Indian SaaS: From $15B Revenue to an IPO Pipeline
Indian SaaS has grown from a niche experiment to a $15B+ revenue engine with a deep IPO pipeline. Here's the story in numbers.
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2026-08-21
SMB Digitisation: The Next 100 Million Software Users
India's 63 million MSMEs are the world's largest untapped software market. Here's what it takes to digitise the next 100 million users.
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2026-08-21
UPI's Story: What Digital Public Infrastructure Teaches Fintech Builders
From 21 million monthly transactions to 16+ billion — UPI's rise holds hard-won lessons for anyone building fintech for India.
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2026-08-21
Vertical SaaS: Why Industry-Specific Software Is Winning in India
Generic software is losing to purpose-built tools for clinics, logistics and manufacturing. Inside India's vertical SaaS boom.
read note →Credit & Underwriting
10 notes
2026-08-21
Alternative Data in Lending: Utilities, Rentals, and Beyond
When bureau files run dry, alternative data fills the gap — utility bills, rent payments, digital footprints. What it can and can't tell lenders.
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2026-08-21
Bank Statement Analysis for Lending: What Algorithms Actually Look For
Your bank statement is a credit document. Here's what automated bank statement analysis reads — inflows, bounces, balances, and beyond.
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2026-08-21
Commercial Credit Score vs Personal CIBIL: What's Actually Different
Personal CIBIL and commercial credit scores measure different things. Here's how business credit assessment works in India and why the two diverge.
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2026-08-21
First-Time Business Borrowers: How to Build Business Credit History in India
No borrowing history means no commercial credit file. Here's how first-time Indian businesses build one — and unlock formal credit.
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2026-08-21
Fraud Signals in B2B Lending: Shell Companies and How to Spot Them
Shell companies are B2B lending's favourite fraud vehicle. Learn the red flags across MCA, GST, and banking data that expose them.
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2026-08-21
How GST Returns Became India's Most Powerful Lending Signal
GST filings went from tax paperwork to the backbone of MSME underwriting. Here's why lenders trust GSTR data and how GSTIN-based approval works.
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2026-08-21
MCA Company Data: What It Reveals About a Business (and Why Lenders Read It)
MCA master data is a free X-ray of any Indian company — directors, charges, filings, and financials. Here's what underwriters look for.
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2026-08-21
Open Banking Around the World vs India's Account Aggregator Framework
UK open banking, US market-led models, and India's Account Aggregator — how the world's approaches to financial data sharing compare.
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2026-08-21
What Is KYB (Know Your Business)? Onboarding Business Customers the Right Way
KYB is KYC's business cousin: verifying that a company is real, legal, and who it claims to be. Here's how KYB works in India.
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2026-08-21
Why SMB Credit Assessment Is So Hard — and How Data Finally Fixes It
Small businesses are risky to assess, not necessarily risky to lend to. Why SMB underwriting is hard and how India's data stack solves it.
read note →SaaS Billing & Pricing
10 notes
2026-08-21
How Much Discount Should You Offer for Annual Prepay? A Data-Backed Guide
What annual prepay discount should Indian SaaS vendors offer? Benchmarks, break-even math, GST impact, and smarter alternatives to blanket discounts.
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2026-08-21
Annual vs Monthly SaaS Billing: Which Is Right for Your B2B Business?
Annual vs monthly SaaS billing compared for B2B teams in India — cash flow, churn, GST and buyer psychology, plus hybrid models that get you both.
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2026-08-21
GST on Annual SaaS Invoices: The Upfront Payment Problem
Raising an annual SaaS invoice triggers 18% GST upfront — before you've delivered the service. How the timing works and financing structures that ease it.
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2026-08-21
Net-Terms vs Prepay in B2B Software Sales: Which Should You Offer?
Net-30 or payment upfront? How B2B SaaS vendors should choose between net terms and prepay — risk, cash flow, enterprise deals, and hybrid structures.
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2026-08-21
The Real Cost of Offering Monthly Billing as a SaaS Vendor
Monthly SaaS billing looks customer-friendly but hides real costs — churn, failed payments, GST admin, and lost working capital. Here's the full math.
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2026-08-21
How to Reduce Customer Churn with Billing Flexibility
Billing is an underrated churn weapon. How payment flexibility — monthly options, pause plans, smarter renewals — reduces SaaS customer churn.
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2026-08-21
SaaS Cash Flow Management: Deferred Revenue Explained Simply
Deferred revenue in SaaS, explained with plain ₹ examples. Why annual prepay isn't 'real' revenue yet, how it affects cash flow, and what to do about it.
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2026-08-21
SaaS Pricing Page Best Practices for Indian Buyers
Design a SaaS pricing page that converts Indian B2B buyers — INR pricing, GST clarity, UPI-friendly checkout, trust signals, and annual-plan framing.
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2026-08-21
Usage-Based vs Subscription Pricing: What Billing Flexibility Trends Mean for Vendors
Usage-based vs subscription pricing compared for 2026 — hybrid models, India-specific payment implications, and how flexible billing decides who wins.
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2026-08-21
Why Indian SMBs Prefer Monthly SaaS Subscriptions (And What It Means for Vendors)
Indian SMB buyers overwhelmingly choose monthly SaaS plans. The cash-flow, trust and GST reasons why — and how vendors can still win annual deals.
read note →SaaS Founder Playbooks
10 notes
2026-08-21
Annual vs Monthly Contracts: A Decision Framework for SaaS Founders
When to push annual SaaS contracts and when monthly wins — a practical decision framework covering cash flow, churn, buyer type, and financing options.
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2026-08-21
Bootstrapped SaaS: How to Grow Without Raising Venture Capital
A practical playbook for Indian founders building profitable SaaS without VC — customer-funded growth, pricing discipline, and capital-efficient channels.
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2026-08-21
7 Cash Flow Mistakes Killing Early-Stage SaaS Companies in India
The cash flow traps that sink Indian SaaS startups — annual contracts paid monthly, GST timing, hiring too early — and how to avoid each one.
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2026-08-21
How Indian SaaS Startups Can Close Enterprise Deals Faster
Practical tactics to shorten enterprise sales cycles in India — champion building, procurement prep, security readiness, and removing payment friction.
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2026-08-21
What Is Negative Working Capital and Why SaaS Companies Love It
Negative working capital explained for Indian founders: annual prepay, deferred revenue, and how SaaS turns customers into a free funding source.
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2026-08-21
How to Price Enterprise SaaS for Indian SMBs (Without Racing to the Bottom)
Pricing SaaS for Indian SMB buyers: value-based anchors, tiering, GST, payment psychology, and why the cheapest vendor rarely wins long-term.
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2026-08-21
Reducing Sales Cycle Length in B2B Software: 9 Practical Tactics
Nine field-tested tactics to shorten B2B SaaS sales cycles in India — qualification, pilots, pricing transparency, and payment friction removal.
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2026-08-21
A Founder's Guide to SaaS Revenue Recognition Basics (India Edition)
Revenue recognition for Indian SaaS founders: ASC 606/Ind AS 115 in plain language, deferred revenue, GST, and mistakes that trip up due diligence.
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2026-08-21
SaaS Unit Economics Explained: CAC, LTV and Payback for Indian Founders
CAC, LTV, and payback period demystified with Indian rupee examples — how to calculate, benchmark, and fix your SaaS unit economics.
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2026-08-21
How Vertical SaaS Companies Can Offer Customer Financing (and Win More Deals)
Vertical SaaS + embedded financing: why offering buyers instalments boosts conversions and retention, plus models to do it without balance-sheet risk.
read note →B2B Payments & BNPL
10 notes
2026-08-21
B2B Buy Now Pay Later vs Corporate Credit Cards: Which Wins in India?
Compare B2B BNPL and corporate credit cards on limits, cost, approval, and cash-flow impact — with ₹ examples for Indian SMEs choosing between them.
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2026-08-21
Credit Assessment for Businesses: What Lenders Look At (GST, Bureau, MCA)
How Indian lenders assess business credit in minutes using GST returns, bureau scores, and MCA records — and how to keep your profile approval-ready.
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2026-08-21
How eNACH and UPI Autopay Power B2B Collections in India
eNACH and UPI Autopay automate recurring B2B payments. Learn how mandates work, limits, failure handling, and why they unlock instalment-based business credit.
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2026-08-21
Invoice Financing vs Subscription Financing: Key Differences Explained
Invoice financing and subscription financing solve different cash-flow problems. Compare mechanisms, costs, risk, and ₹ examples for Indian businesses.
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2026-08-21
Net-60 Payment Terms: Who Really Pays the Cost?
Net-60 looks free but someone always pays. Break down the true ₹ cost of 60-day payment terms for Indian SMEs, vendors, and buyers — with alternatives.
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2026-08-21
The Rise of Embedded Lending in Indian Fintech: Why Credit Is Moving Into the Checkout
Embedded lending is turning Indian software platforms into credit distribution channels. How it works, why GST data powers it, and where it's heading.
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2026-08-21
TReDS and Invoice Discounting: The Government's Push for MSME Credit
How TReDS exchanges like RXIL and M1xchange let Indian MSMEs discount receivables without collateral — mechanics, eligibility, limits, and ₹ examples.
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2026-08-21
How Vendor Financing Works for Software Purchases: A Practical Guide
See how vendor financing lets Indian businesses pay annual SaaS contracts monthly while software vendors get paid upfront — flow, costs, and ₹ examples.
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2026-08-21
What is B2B BNPL and How Does It Work in India? (2026 Guide)
Learn how B2B Buy Now Pay Later works in India — the flow, players, RBI rules, and ₹ examples showing how businesses split large invoices into EMIs.
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2026-08-21
Why 95% of Indian B2B Trade Runs on Credit (And What It Costs)
Nearly all Indian B2B transactions happen on credit, not cash. Explore why udhaar dominates trade, its ₹ costs, and how digital financing is changing it.
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