How do I let customers switch from annual to monthly mid-contract?

Sometimes a customer signs an annual deal, then months later, they ask:

Can we move to monthly payments instead?

Maybe their budget has changed. Maybe there's new leadership. Maybe they just underestimated the cashflow impact. Whatever the reason, saying "no" risks souring the relationship, especially if they still love the product.

But saying "yes" usually means issuing a refund, rewriting the contract, and figuring out how to recover the lost revenue. Not ideal either.

Why this happens

Even the best-intentioned buyers sometimes hit a cashflow crunch. And for startups, finance teams, or seasonal businesses, upfront costs can quickly become a strain mid-contract.

The friction isn’t about your product, it’s about payment terms.

How financing solves this

With Lemon, you can offer to refinance the remaining contract balance into monthly payments. That means:

  • No refund needed: the buyer pays off the rest through financing
  • You stay paid in full: Lemon advances you the funds
  • The customer stays happy: they get the flexibility they need

You don’t lose revenue or create operational headaches. It’s a clean switch.

How Lemon helps

Lemon gives you a way to respond with “yes, we can do that”, without breaking your financial model. We help you structure the remaining balance into a financed agreement, and the buyer repays over time. You don’t need to rebuild the contract or lose momentum.

Stronger cash flow.
Stronger company.

Offer flexible payment terms to your customers, while you get paid in full on day one.

App screenshot