Product
Dealer inventory funding
One line of credit for your stock, priced by the day and released the moment you repay.
- ₹20 lakh – ₹1 crore
- 70–85% of value
- From ₹60 per lakh per day
- 15–30 minutes disbursal
What you get
- Funding limit
- ₹20 lakh – ₹1 crore revolving
- Funding percentage
- 70–85% of eligible value
- Fees
- Starting from as low as ₹60.00 per lakh per day
- Fee calculation
- Daily reducing balance
- Minimum fee period
- 7 days
- Tenure per car
- 30–90 days
- Processing charges
- Nil
- Foreclosure / part-payment
- Zero charge
- Disbursal TAT
- 15–30 minutes after approval
- Inspection
- 230+ point AI inspection at your location — free
- Inspection report
- Yours to share with buyers
- Valuation & RC verification
- Included
- Repayment
- UPI / NEFT / NACH / Gateway
Included in every deal
RC & RTO verification
OCR reads the RC; owner, make and model, insurance, PUC, fitness and hypothecation are verified at source.
Fraud & eligibility checks
Dealer–owner relationship, existing financier, duplicate funding in our portfolio and detail mismatch.
AI inspection & valuation
A detailed AI-powered inspection gives market, condition-adjusted and conservative values — and a report you can show buyers.
Dealer dashboard
Limit, funded cars, fees accrued and due dates in one view, with digital release on repayment.
KFin Dealer App
Fund a car from your phone.
- 01
Tap “Fund a car”
Enter the registration number or snap the RC. Vehicle details are fetched automatically.
- 02
Click four photos
Front, rear, odometer and chassis plate, geo-tagged at your lot as you shoot.
- 03
Inspection & e-sign
We inspect the car, confirm its value and send the agreement for e-sign.
- 04
Money in your account
Funds land in your bank account. Track every car, fee and due date in the app.
- 05
RC back at your door
We pick up the original RC from you and return it to your door when the car is repaid.
Wherever you buy
We fund cars from every source you buy from.
- Direct from sellers
- Online listings
- B2B auctions
- New car dealer exchanges
- OEM certified programmes
- Bank & NBFC repossessions
- Corporate & fleet disposals
- Dealer-to-dealer trades
- Government & PSU auctions
- Inter-state purchases
- Cars already in stock
Cars we can’t fund
- Another lender’s hypothecation still on the RC, with no NOC
- Owner on the RC doesn’t match the seller
- Stolen, blacklisted or under legal dispute
- Past end-of-life in NCR (diesel 10 yrs, petrol 15 yrs)
- Total-loss, flood or fire damaged
- Chassis or engine number tampered
- Commercial or yellow-plate vehicles
- Heavy pending challans or road tax
- Already funded by another inventory financier
This keeps your stock clean and your buyers protected.
Funding calculator
See your funding and fee before you call.
You receive ₹6.40 lakh, total fee ₹11,520, you repay ₹6,51,520.
- Fee per day
- ₹384
- Days charged
- 30 days
- Total fee
- ₹11,520
- You repay
- ₹6,51,520
At ₹60 per lakh per day with a 7-day minimum. Illustrative only; final value and limit are set after inspection.
The flow
- 01
RC entered or uploaded, data read by OCR
- 02
Verification at source
- 03
Fraud and eligibility checks
- 04
230+ point AI inspection at your lot
- 05
Correct value from the inspection
- 06
Limit approved and funds disbursed
Valuation example
How the funding limit is worked out
- Market value
- ₹8.20 lakh
- Condition-adjusted
- ₹7.85 lakh
- Conservative value
- ₹7.30 lakh
- Max LTV
- 80%
- Max funding limit
- ₹5.84 lakh
Getting started
Who can apply, and what to keep ready.
- Sole proprietorship
- Partnership / LLP
- Private / public company
Eligibility
- Active GST registration
- Udyam or trade licence (proprietors)
- A physical showroom or yard that holds stock
- At least 1–2 years in business with GST filings
- A clean credit bureau record
KYC & entity
- PAN and Aadhaar of owner, partners or directors
- GST certificate
- Udyam / trade licence, partnership deed, LLP agreement or CIN
- Rent agreement or ownership proof for showroom and residence
Financials
- Bank statement, last 6–12 months
- Latest GST returns
- ITR for the last 3 years
- RC-on-hand list and latest purchase & sales invoices
Our sales team collects everything on their app at your showroom. Agreements are e-signed, and repayment is set up with e-NACH.
Dealer FAQ
Questions dealers ask us.
How are fees calculated?
Fees start from ₹60 per lakh per day on the amount you have drawn, with a 7-day minimum. You pay only for the days each car is funded.
Is there a charge for repaying early?
No. Repay any car on any day with zero foreclosure or part-payment charges. Your limit is restored the moment you repay.
How much can I get per car?
Usually 70–85% of the car’s inspected value, within a revolving limit of ₹20 lakh to ₹1 crore.
How fast is the money released?
Once a car is inspected and approved, funds reach your account in 15–30 minutes.
What does the inspection check?
Our AI-powered inspection covers 230+ points across exterior, interior, engine, electricals and documents. You keep the report to share with buyers.
How do I repay?
By UPI, NEFT, NACH or payment gateway, whenever the car sells.
How long can a car stay funded?
Tenure is 30, 60 or 90 days per car, depending on your dealer grade.
What happens to the RC?
We hold the original RC while the car is funded. We collect it from your showroom within 7 days of disbursal and return it to your door once the car is repaid.
Can I repay part of a car?
Yes. Part-payments restore your limit by the amount repaid straight away; the car stays funded until fully repaid.
Can you help my customer get a car loan?
Yes. Bring your buyer to us and we arrange the loan through our partner Drivio, so the sale closes on your lot.
Will I have one point of contact?
Yes. Every dealer gets a dedicated relationship manager who knows your stock and your business.