• CredFlow receives RBI approval for a new NBFC in just four months
• Launches India’s first data-native lending engine for 6M+ SMEs
• It will offer faster, flexible cashflow-linked credit using deep business data

CredFlow, the SME lending and cash-flow management platform, has secured its RBI licence to operate a new Non-Deposit Taking NBFC (ICC Type 2) through its group entity, Cashpositive Finance Pvt. Ltd., under the brand CashFloat. The NBFC is now live and disbursing loans, marking the launch of India’s first fully data-native lending engine for small and mid-sized businesses.

Over the past four years, CredFlow has built one of India’s largest SME cashflow intelligence networks. The platform processes more than $800 billion in GST-verified invoices and touches over six million businesses, nearly half of GST-registered India. This proprietary data stack allows CredFlow to assess SME creditworthiness with far more precision than traditional lenders.

The new licence strengthens CredFlow’s lending operations, which are set to reach Rs 100 crore in AUM this year. Until now, the company relied on partner-led lending models, but operating its own NBFC allows it to approve loans faster, design custom credit products, and control the entire lending lifecycle from onboarding to collections.

Kunal Aggarwal, Founder and CEO of CredFlow, said, the company is committed to making SMEs 'cash-rich' through a mix of structured lending, intelligent data use, and responsible credit. He noted that SMEs often struggle not due to lack of demand but due to delays in accessing capital.

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With its own balance sheet, CredFlow will expand into purchase invoice discounting, unsecured and partially secured term loans, manufacturing loans, structured SME finance, BG-backed lending, and co-lending programs with major financial institutions.

CredFlow’s hybrid model blends offline reach with digital underwriting powered by GST, banking, ERP, bureau data, and AI-driven automation. Its cashflow-linked approach updates credit limits in real time, addressing long-standing gaps in collateral-heavy banking systems. The company aims to build a full-stack SME finance ecosystem, including working capital, payments, collections, and eventually even IPO-linked capital-market solutions.