CredFlow has received its RBI licence for a new Non-Deposit Taking NBFC (ICC Type 2) in just four months. Operating through its group entity Cashpositive Finance Pvt. Ltd. under the brand name CashFloat, the NBFC is already live and disbursing loans.
With this development, CredFlow has introduced data-native NBFC, leveraging deep GST, banking, ERP and supply-chain data to provide fast, structured and transparent working-capital solutions to manufacturers, traders and distributors.
Over the past four years, CredFlow has built one of India’s largest cashflow and invoice-intelligence networks for SMEs, capturing more than $800 billion worth of GST-verified invoices and reaching a network of six million businesses. This extensive data framework offers a distinctive vantage point for SME underwriting that traditional lenders have been unable to achieve.
The new NBFC licence strengthens CredFlow’s lending business, which has shown consistent and disciplined growth and is expected to reach Rs 100 crore in AUM this year. Previously powered by partner-led lending and LSP models, CredFlow can now lend independently, enabling faster approvals, customised credit products, programme-based underwriting and complete control from acquisition to collections. This vertical integration positions the company to scale cashflow-linked financing across the country.
Kunal Aggarwal, Founder & CEO, CredFlow, said, “With our NBFC licence, we’re doubling down on our mission to make every SME in India cash-rich by combining structured lending, data intelligence and responsible credit with speed. India’s SMEs don’t struggle because of a lack of demand, they struggle because of a lack of timely capital. Enabling them to thrive strengthens India’s industries, supply chains and growth story.”
By lending from its own balance sheet, CredFlow will expand its product suite to include purchase invoice discounting, unsecured and partially secured term loans, manufacturing expansion loans, structured SME finance, BG-backed financing and co-lending programmes with major banks and NBFCs. These solutions will offer SMEs faster access to flexible and cost-efficient credit aligned with their growth requirements.
CredFlow’s model integrates offline reach with digital underwriting, powered by proprietary data from GST, banking channels, bureaus, ERPs, anchor networks and an AI-led automation engine. Its cashflow-linked lending structure adjusts credit limits in real time based on business performance, addressing long-standing gaps left by traditional collateral-heavy banking systems. The company aims to build a full-stack SME finance ecosystem, offering working capital, payments, collections and eventually capital-market access through IPO-linked products.
Send news announcements/press releases to:
info@b2bmarketmedia.com
