Software finance for vendors and systems integrators

Last updated 3 November 2026 · Reviewed by 360 SaaSFin Compliance

Why offer finance to your customers?

Many technology deals don't stall because the technology is wrong. They stall because the customer's budget cycle doesn't match how modern software is bought and delivered. The customer is ready, the solution is proven, and the spend is pencilled in for next year's budget.

Software finance can help remove budget as the last objection. It gives your customer another way to pay for the project: regular payments over an agreed term, instead of finding the full amount in this year's budget. Finance can cover both the vendor and SI side of a project, including licences, cloud platforms, services, integrations and managed services. It's subject to the lender's assessment of your customer, so it's an option to explore, not a promise.

When should I bring 360 SaaSFin in?

Early, before budget becomes the objection. The best time is while you're scoping the project or preparing the proposal, so your customer knows the finance options before they commit to delivery. It's worth a conversation when:

• your customer likes the solution but the money sits in a later budget
• a large renewal, upgrade or platform expansion is coming up
• a transformation program spans several platforms or phases
• your customer asks to stage or defer payments
• timing is the only thing standing between a signed deal and a stalled one

How does it work for partners?

1. Introduce the project. Share the scope, the customer and the timing. Bring us in early, before budget becomes the objection.
2. We talk to your customer. We explain the finance options and help structure the payments around the project, subject to assessment.
3. The vendor and SI are paid. Once the finance is approved and documents are complete, vendors and SIs are paid upfront.
4. The customer pays over the agreed term. Your customer spreads the cost of the project over the agreed term.

How are vendors and SIs paid?

Once the finance is approved and documents are complete, vendors and SIs are paid upfront by the lender, while the customer pays over the agreed term. In practice that means:

• For systems integrators: implementation and managed services can be financed too, so you're not waiting on the customer's payment cycle once the finance is in place.
• For software vendors and ISVs: your customer can finance subscription and licence fees, and you're paid upfront once the finance is approved and documents are complete.
• For account executives (AEs) and other technology partners: finance gives your customer another way to fit the project into their budget.

What do you tell my customer?

We deal with your customer directly about the finance. We explain the options, help structure payments around the project, and tell them what the lender needs for its assessment. We'll also explain that:

• the finance is arranged as a business loan or a lease, depending on the project and the lender, and the lender doesn't take a share of their business
• all finance is subject to the lender's assessment, and fees and charges apply
• their accountant can tell them how the finance is treated in their accounts and for tax

Your customer's application and financial details are handled under our privacy policy.

What should I say to my customer before you're involved?

Keep it simple: finance may be available, and 360 SaaSFin can talk them through the options. Don't promise your customer approval, a rate, a payment amount or a tax outcome. Those depend on the lender's assessment and the customer's own circumstances, and we'll cover them with the customer directly.

What do you need from me to get started?

• who the customer is and who you're working with there
• the project scope: platforms, users, services and phases
• your quote or proposal, showing licences, subscriptions and services separately where you can
• key dates, such as contract signing, project start, go-live or renewal

Share customer details with us only with your customer's agreement.

FAQs

General information only. It doesn't take into account your objectives, financial situation or needs, and it isn't credit, tax, accounting or legal advice. Finance is subject to the lender's assessment and criteria; fees and charges apply. 360 SaaSFin is a trading name of Kuone Consulting Pty Ltd (ABN 75 647 329 002), Australian Credit Licence 566705.