It might surprise you, but yes, many customers are open to financing their software purchases, especially when it helps them manage cash flow without delaying implementation.
Just like Klarna or Affirm made it normal to split payments on consumer purchases, B2B buyers are starting to expect similar flexibility for larger software commitments.
Why customers say yes to financing
Even if a company has the budget, they often prefer to:
- Smooth out spending over time
- Avoid large upfront costs
- Fit purchases into their monthly or quarterly cash flow
- Get started right away without waiting for internal approvals
This is especially true for smaller teams, early-stage startups, or departments with limited discretionary budget.
How Lemon makes it easy
With Lemon, you can offer 0% financing to your customers, meaning they pay monthly, with no added cost to them. You still get the full annual contract value up front, and Lemon handles the repayment over time.
There is a small financing cost involved, but as the vendor, you choose how to handle it:
- Absorb the cost to close the deal and remove price objections
- Pass it on by slightly increasing the contract value for financed deals
- Or mix both, depending on the deal size and customer profile
Either way, it’s your call, and it gives you flexibility at the negotiation table.
Financing isn’t just for customers who can’t afford your product. It’s for customers who want it now, but on terms that match their cash flow. Offering it positions you as a partner — not just a seller.
