principle
the lender is named
The offer and Key Facts Statement identify the regulated bank or NBFC making the loan.
for business buyers
match software value with a manageable payment schedule.
KredFlow is designing a transparent route for eligible Indian businesses to finance approved B2B software purchases through a named RBI-regulated lender.
before you begin
know who is lending, what it costs and what data is required.
principle
the total cost is visible
APR, instalments, charges, penal charges and repayment dates are shown before acceptance.
principle
consent is specific
Data access is requested for a stated purpose and shared only with the parties needed for the journey.
principle
approval is never assumed
A quick eligibility result is not a sanction. The regulated lender makes the final decision.
principle
funds do not pass through KredFlow
For approved specific-use finance, the lender can disburse directly to the software vendor.
principle
complaints have a clear route
KredFlow and the lender publish contact points, escalation steps and RBI complaint links.
verification checklist
Prepare the business once.
Exact requirements are set by the lender and may vary by entity type and risk.
| area | likely information | why |
|---|---|---|
| business identity | GSTIN, PAN, company or LLP records | entity verification |
| ownership | beneficial owners and control | KYC and AML checks |
| authority | authorised signatory and mandate | valid consent and execution |
| credit profile | commercial bureau and obligations | ability-to-repay assessment |
| cash flow | consented GST or bank information, if required | policy and limit assessment |
| purchase | software order, invoice and vendor details | specific end use and fraud controls |
product availability
Applications open after the lending programme is approved.
KredFlow does not currently accept loan applications through this website. You can ask a product question or tell us what makes software procurement difficult.