Our Solutions
Dealer Finance
At CashnTech, we specialise in offering comprehensive Dealer Financing solutions that empower dealers to provide seamless financing options to their customers. With over 20 years of expertise in financial services, we understand the nuances of dealer financing and offer tailored solutions to enhance sales, customer satisfaction, and profitability.


Understanding Dealer Financing
Dealer Financing, or dealer-arranged financing, is a strategic tool that enables dealers to provide financing options directly to their customers at the point of sale. By partnering with reputable banks and financial institutions, dealers can simplify purchasing, making it more convenient for customers to acquire their desired products or services. This approach increases sales volume and strengthens customer loyalty and retention.
How Dealer Financing Works
Dealer Financing allows the dealer to mediate between the lender and the customer, facilitating a smooth financing process. Here is a step-by-step overview of how it functions:
- Customer Application: The customer expresses interest in a product and applies for financing directly through the dealer.
- Credit Assessment: The dealer collaborates with partnered financial institutions to evaluate the customer’s creditworthiness.
- Loan Approval: Upon approval, the lender disburses the loan amount, enabling the customer to complete the purchase.
- Payment Management: The customer makes regular payments to the lender, while the dealer receives immediate payment.

This streamlined process enhances customers’ buying experience and provides dealers with an effective tool to boost sales and optimise cash flow.

Eligibility Criteria for Dealer Financing
To qualify for Dealer Financing, applicants must typically meet the following criteria:
- Age: Between 21 and 65 years.
- Work Status: Must have stable employment or own a profitable business.
- Credit Score: A minimum CIBIL score of 650 is usually required.
- Nationality: Must be a citizen or permanent citizen of the country.
- Business Vintage: The enterprise should have been operational for at least 2-3 years for business-related financing.
These criteria ensure that only qualified customers receive financing, reducing risk for lenders while enhancing the dealer’s reputation for responsible lending practices.
Features and Benefits of Dealer Financing
Dealer Financing offers distinct benefits to multiple stakeholders:
1. For Dealers
•Increased Sales Volume: Offering financing options directly at the point of sale helps convert potential buyers into loyal customers.
•Enhanced Customer Retention: Financing solutions can foster long-term customer relationships by offering flexibility and convenience.
•Partnership Opportunities: Collaborating with financial institutions provides dealers new avenues for growth and revenue.
1. For Dealers
2. For Lenders:
•Access to a Broader Market: Lenders can tap into a broader customer base by partnering with dealers.
•Lower Marketing Costs: Lenders benefit from reduced marketing expenditures due to the dealer’s direct customer interactions.
•Improved Credit Assessment: Dealers’ involvement in the credit evaluation process helps mitigate lending risks.
2. For Lenders:
3. For Customers:
•Convenience and Flexibility: Customers can access financing solutions directly from the dealer, making purchases more accessible.
•Competitive Interest Rates: Dealer partnerships with multiple lenders enable customers to benefit from competitive rates and terms.
•Simplified Application Process: The streamlined process allows quick approvals and minimal paperwork.
3. For Customers:
Key Advantages of Channel Financing

Collateral-Free Finance
Access funds without risking valuable assets, offering greater financial freedom.

Quick Payment Process
Enhance liquidity by accelerating supplier payments and fostering solid, trust-based relationships.

Improved Work Efficiency
Streamline financial processes, reduce administrative overhead, and focus on core business operations.

Easy Application Process
Enjoy a simplified application process, enabling fast approvals and fund disbursement.

Increased Liquidity
Convert receivables into cash quickly, supporting strategic initiatives and operational needs.

Reduced Risk of Bad Debts
Minimize credit risk by ensuring timely payments and promoting a healthy financial ecosystem.
Interest Rates and Applicable Fees
Interest rates for dealer financing vary based on several factors, including the customer’s credit profile, loan amount, and repayment tenure. Typically, interest rates are competitive, with lenders offering rates based on risk assessment and market conditions. Customers should also know potential fees, such as processing charges, prepayment fines, and late payment fees.


Eligibility Criteria for Channel Financing
To qualify for our Channel Financing solutions, businesses generally need to meet the following criteria:
- Age: Applicants must be of legal contracting age.
- Nationality: Must comply with relevant national laws and regulations.
- CIBIL Score: A minimum credit score is required to demonstrate financial stability.
- Work Status: Businesses should be operational with a steady revenue stream.
- Business Vintage: A proven track record of business operations over a specified period.
Documents Required for Channel Financing
To facilitate a smooth financing process, the following documents are typically required:
- Know Your Customer (KYC) Documents: Identity and address proofs, such as a PAN card, Aadhar card, or passport.
- Financial Statements: Audited financials for the last 2-3 years.
- Business Proof: Registration documents, GST certificates, etc.
- Bank Statements: Recent bank statements to establish cash flow stability.


Interest Rates and Charges
Our Channel Financing solutions are cost-effective, with competitive interest rates customised to each business’s needs. Rates are determined by credit score, business size, and industry standards. We summarise all applicable charges, ensuring transparency and no hidden fees.
- Pre-Application Preparation: Gather necessary documents, assess financing needs, and ensure you meet the eligibility criteria.
- Submit Your Application: Complete our streamlined online application form with all required information.
- Evaluation and Approval: Our team conducts a thorough assessment, and decisions are typically made within a few days.
- Fund Disbursement: Upon approval, funds are disbursed directly to your suppliers, ensuring fast payment.
- Manage Your Financing: Use our digital tools to monitor payments, manage invoices, and access detailed financial reports.
Use Cases of Channel Financing
Our Channel Financing solutions have proven successful across various sectors:
- Mobile Technology Sector: Ensuring suppliers receive timely payments to maintain inventory levels and production schedules.
- Retail and Manufacturing: Enhancing stock availability and optimising production flow by providing immediate cash flow relief.
- Automotive Industry: Supporting suppliers in maintaining a consistent supply chain by providing the working capital needed to meet production demands.


Advantages of Channel Financing for Suppliers
- Reduced Recovery Risk: Assured payments from buyers mitigate financial risks.
- Faster Payments: Suppliers receive payments quickly, maintaining smooth operations.
- Access to Working Capital: Simplifies access to funds, improving cash flow management.
- Lower Cost of Capital: Offers favourable terms compared to traditional loans, reducing financing costs.
- Sustained Business Growth: Suppliers can confidently invest in growth opportunities with improved cash flow.
Other Working Capital Solutions
In addition to Channel Financing, we offer various working capital solutions:
- Invoice Discounting: Convert unpaid invoices into immediate cash to improve liquidity.
- Purchase Order Funding: Finance large purchase orders without straining cash reserves.
- Working Capital Demand Loan: Flexible, short-term loans for managing day-to-day expenses.
- Buy Now, Pay Later (BNPL): Deferred payment options to manage cash flow.
- Equipment Finance: Funding for acquiring essential business equipment.


Explore the Advantages of Channel Financing
- Improved Liquidity: Maintains a strong cash position to support growth.
- Reduced Financial Exposure: Low risk associated with unpaid invoices.
- Enhanced Sales and Distribution: Ensures continuous flow of goods and services.
- Strengthened Business Relationships: Builds trust and loyalty between suppliers and buyers.
The practise of utilizing the unpaid invoices of a company for generating runtime capital for the company and hence, solving their cashflow problems is known as invoice discounting. Generally, banks, NBFC’s individual investors are involved in this process.
CashnTech is a technology driven platform that helps the businesses to use their unpaid invoices and raise capital for their company. It is also making the process collateral free. At the same time investors can invest for high returns in less time at a very low risk.
- Banks
- NBFCs
- Financial Institutions
- Retail as well as
- Institutional Investors
- Bring a permanent solution to your cashflow problems.
- Empower your business by raising capital whenever & wherever.
- Let the Businesses and Investors work hand in hand.
No
Any investment is associated with risk. The way in which we manage and mitigate your risk factors is what that matters the most.
- Strong verification: Anyone associated with us undergoes through a strong verification process. All the financial and legal aspects are taken into consideration whether it may be an investor or any business.
- Analysis: There is a strong credit analysis that is performed. It involves the complete go through each and every financials of the organization.
- CashnTech is a tech platform. It does not assume any risk on behalf of anyone.
CashnTech has facilitated opening of an escrow account for each individual member. Fund transfers happens through these escrow accounts. Money involved will not be transferred to CashnTech’s account in any given scenario. Hence, it’s completely transparent and a safe process.