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Built to Keep Contracts Moving2–4 hrsMost credit decisions come back within hours, helping sales teams maintain momentum. Direct & 25+FPG is a direct lender with access to 25+ strategic funding partners for more ways to get a deal done. $350KApplication-only financing available up to $350,000, subject to credit approval. Dedicated TeamReal people who understand software deals, technology sales and vendor programs.
Financing that works at the speed of a software sale
Software deals are often tied to a deadline: quarter-end pricing, a renewal date, a system that is being retired or a new location that needs to go live. Sellers need quick decisions, flexible structures and people who understand licensing, subscriptions and the services that come with them.
The Software Seller's Perspective
Financing should help create the yes — not show up after the no.
Your priority is to close the contract, shorten the sales cycle and protect margin. When financing is treated as an afterthought, the buyer may already have decided to sign a one-year term instead of three, cut modules or seats, delay implementation or wait for next year's budget.
Win the multi-year term
Buyers like multi-year pricing but not the up-front payment. Financing lets them commit to the full term while your company is paid at the start.
Keep the full scope
Presenting financing early keeps every module, seat and service in the proposal instead of a smaller first phase that may never expand.
Include the services
Implementation and training are easy to cut when budgets are tight. Financing them with the software protects the rollout and the customer's results.
Protect margin
Give buyers structure and payment flexibility before discounting the license or giving away services becomes the easiest way to save the deal.
We Speak Software
Built around the software businesses run on
FPG finances business software, from a single practice management system to a multi-year enterprise agreement with integration services. We underwrite the buyer and understand that licensing model, contract length, services and any bundled hardware can all influence how a transaction should be structured.
Business & ERP SystemsERP, accounting, inventory and operations platforms for growing companies.
CRM & Sales PlatformsCRM, marketing automation, quoting and sales enablement software.
Industry & Practice ManagementPractice management, dealer management, field service and other vertical software.
Design, CAD & EngineeringCAD, CAM, BIM, simulation and design software, often bundled with workstations.
Cybersecurity & IT ManagementSecurity platforms, endpoint protection, backup and IT management tools.
Multi-Year Licenses & SubscriptionsPerpetual licenses, multi-year subscriptions and enterprise agreements.
Implementation & TrainingImplementation, data migration, configuration, integration and user training.
Hardware & Software BundlesSoftware packaged with servers, workstations, devices or equipment it runs on.
Selling software with the servers, workstations or devices it runs on, plus implementation and training? FPG can structure financing around the complete package rather than one invoice at a time.
Why Software Sellers Use FPG
One financing relationship. More ways to get the deal done.
FPG combines direct lending, in-house underwriting and a network of strategic funding partners. That gives your sales team more flexibility without forcing them to manage multiple lender relationships on every opportunity.
More flexibility without more complexity
- Direct lending plus access to 25+ strategic funding partners
- Structures for A, B and C credit profiles, including growing companies
- Fast decisions on straightforward transactions
- Support for licenses, subscriptions, services and hardware bundles
- A named finance team that works directly with your sales reps
People who understand the software and the sale
Software deals are not generic business financing. The licensing model, contract term, implementation plan and the business case behind the purchase all matter. FPG's team works with sellers and buyers to structure the transaction around the software and the way the customer will roll it out.
Your FPG software finance team
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Jon McBrideSVP, Growth & Strategic Partnerships — Hard Assets
Casey GoodellVP, Strategic Sales & Partner Development
Kristopher TozierVP, Strategic Sales & Partner Development
Flexible Structures
Typical programs are not one-size-fits-all.
The right structure depends on the buyer, the contract and how the rollout happens. FPG can structure the sale around implementation and budget cycles instead of forcing every buyer into the same payment pattern.
Software Financing Agreements
Structures that turn a multi-year license or subscription into predictable monthly, quarterly or annual payments.
Multi-Year Contract Funding
Financing that lets the buyer commit to a multi-year term while your company is paid at the start.
Deferred Payments
Structures that can give a buyer time to implement and go live before regular payments begin.
Step Payments
Lower early payments that step up over the term as users are added and the rollout expands.
Annual & Quarterly Payments
Payment schedules that can be aligned with a customer's budget cycle instead of a single up-front invoice.
Software, Hardware & Services Bundles
Licenses, implementation, training and the hardware it runs on combined into one payment.
Phased Rollouts
Structures that fund a first phase or location now and anticipate the next, so expansion does not start from zero.
Upgrades & Add-Ons
Financing for new modules, seats and upgrades added during an existing contract.
Implementation, migration, integration, training and bundled hardware can be included alongside the software, so customers can finance the complete working solution rather than the license alone.
How It Works
From proposal to funded contract
Your sales team stays focused on the customer and the next deal instead of chasing financing paperwork.
1
Build the Proposal
Your rep scopes the licenses, users, services and term the customer needs.
2
Present Financing
Show the payment option in the proposal instead of waiting for a budget objection.
3
Customer Applies
The buyer completes the branded application from a phone or desktop.
4
FPG Structures the Deal
We underwrite the opportunity and determine the best available structure.
5
Documents & Funding
FPG handles documents and funds the seller on delivery and acceptance.
6
Sell the Next Phase
Your reps stay focused on renewals, add-on modules and the next opportunity.
The goal: make financing part of the sales motion without turning your sales team into a finance department.
Program Capabilities
Everything your team needs to use financing as a sales tool
FPG builds the program around your sales process and supports the tools, training and marketing needed to make financing easy to introduce — in the proposal, during a demo or at a trade show.
Custom Program Design
A financing structure built around how you sell.
You getA program that supports your margin and close rate
Your reps getSimple guidance for when and how to introduce financing
Co-Branded Financing Assets
Marketing support that helps make financing visible before the objection.
You getAccess to our CMO for special co-branded marketing campaigns and financing content
Your reps getReady-to-use assets that make financing easier to introduce and promote
Sales & Quote Tools
Make monthly-payment selling easier for your team.
You getTools that support payment-based selling without building technology internally
Your reps getA simple way to move from project cost to a financing conversation
Ongoing Enablement
A dedicated finance team that stays engaged after launch.
You getVisibility and support across active financing opportunities
Your reps getSomeone to call when a live deal needs help
Payment-Based Selling
Help customers evaluate the payment, not just the contract price.
A buyer comparing a large up-front invoice against this year's budget often shortens the term or cuts scope. A predictable payment puts the full contract in operating terms, alongside the time and cost the software saves.
| Equipment Investment | 36 Months | 48 Months | 60 Months | 72 Months |
|---|---|---|---|---|
| $25,000Example: practice management licenses with implementation and training | $789 | $616 | $513 | $445 |
| $120,000Example: ERP or CRM rollout with implementation and data migration | $3,788 | $2,958 | $2,462 | $2,134 |
| $400,000Example: multi-year enterprise agreement with integration services | $12,628 | $9,860 | $8,208 | $7,112 |
Illustrative estimates only. Rates, terms and structures are subject to credit approval and may vary.
Software Financing FAQ
Questions software sellers ask
Why should our sales team introduce financing before a customer raises a budget objection?
Introducing financing earlier gives the buyer more ways to evaluate the purchase. Instead of choosing a shorter term or fewer modules to fit this year's budget, the buyer can commit to the full contract as a predictable payment.
Can a multi-year software contract be financed?
Yes. Multi-year licenses, subscriptions and enterprise agreements can be structured as monthly, quarterly or annual payments, so the buyer gets the multi-year term without a large up-front payment.
Can implementation, training and services be included?
Yes. Implementation, data migration, configuration, integration and training can be included alongside the software. Amounts and structure are subject to credit approval.
Can software be financed with the hardware it runs on?
Yes. Software, servers, workstations, devices and related equipment can be combined into a single transaction and one payment.
Can payments start after go-live?
Often, yes. Deferred structures can give a buyer time to implement and go live before regular payments begin. Availability depends on the transaction and credit approval.
Can FPG help smaller businesses and growing companies?
Often, yes. FPG is a direct lender with in-house underwriting and access to 25+ strategic funding partners, so A, B and C credit profiles can be placed. A thinner profile usually means a shorter term or a down payment rather than a decline.
Do software sales qualify for application-only financing?
Many software and implementation sales fit application-only financing, which is available up to $350,000, subject to credit approval. Larger enterprise agreements move through a full application with the same team.
How fast are decisions?
Most credit decisions come back in two to four hours. Larger enterprise agreements, unusual structures or more complex credit situations can require additional review.
When does the seller get paid?
FPG funds your company in full on delivery and acceptance. The purchaser pays FPG based on the agreed terms. You receive payment, and FPG manages the financing from there.
Vendor Partner Result
Financing support that helps create more sales opportunities
30%reported increase in pipeline
“FPG has been instrumental in driving opportunities in our pipeline. Their strategic insights and tailored solutions increased our pipeline by 30%.”— FPG Client | Vendor Partner
The value is not just access to capital. It is giving the sales team another tool to keep an opportunity moving when price, payment structure or credit flexibility could otherwise slow the deal down.
All financing is subject to credit approval. Terms and structures vary based on the customer and transaction. Payment examples shown on this page are illustrative and are not an offer or commitment to lend.