Q - What is Microsoft Financing?
A - Established in 2003, Microsoft Financing is a Microsoft programme under which financing providers offer customers a simple, convenient, and affordable way to acquire their IT solutions. You do not need to arrange an independent source of financing for your IT solutions when a financing provider in the Microsoft Financing programme is used.
Top of page
Q - What does the Microsoft Financing programme offer?
A - Microsoft Financing provides credit-approved customers with fast access to cash, so you can purchase and deploy IT, with flexible payment options. This helps free up budgets and existing financial resources that may need to be used elsewhere.
The Microsoft Financing programme offers:
Extended Payment Terms - Offers flexible payment solutions to direct Enterprise Agreement (EA) commercial customers for their Enterprise Enrolments that go beyond Microsoft’s standard annual or up-front payment terms. Available payment structures include monthly, quarterly and semi-annual payments, each with the option of ramping or skipping payments to align with your budgetary constraints, cash flow requirements or deployment schedule. These payments are structured as part of the license agreement without requiring separate financing documents. Microsoft assigns the rights to customers’ payments to select financing providers.
Software License Financing - For organisations of all sizes that want to acquire only Microsoft software licenses and spread the costs of the software over an extended period of time, preserving financial resources for other investment. Predictable payments, including ramped and deferred payment options are offered. Additional purchases may be made and added to the Financing contract to accommodate future business requirements.
Total Solution Financing - For businesses of all sizes that want predictable payments to finance the entire cost of their technology solution including: Microsoft software licenses, partner products and services such as deployment, and hardware all as one investment.
Top of page
Q - Where is financing available?
A - Financing under the Microsoft Financing brand is currently offered in the following 14 countries:
North America: Canada and United States
Europe, the Middle East, and Africa: Belgium, France, Germany, Italy, the Netherlands, Spain, Switzerland, and the United Kingdom
Asia Pacific: Australia, Japan, and New Zealand
Latin America: Brazil
Top of page
Q - Which financial institutions does Microsoft Financing partner with?
A - Microsoft works with several financing providers to meet the technology financing needs of customers of all sizes. Financing providers vary by country and business sector.
Top of page
Q - How can I make a financing application?
A - If you are interested in a financing solution and application, simply contact your local Microsoft Partner or Microsoft account manager or authorised distributor. Find a Microsoft Partner
Top of page
How long can technology purchases be financed?
A - Typically financing arrangements will go up to 24-60 months, depending on the financing programme.
Top of page
What is the interest rate being offered on the financing?
Competitive interest rates are offered, determined by market conditions, transaction size, and customer creditworthiness.
Top of page
Q - Is there a maximum or minimum transaction size?
A - There is no pre-established maximum or credit limit. You can apply for any amount necessary to finance the entire solution as long as it exceeds the minimum transaction size. Minimum financing amounts vary by country.
More information can be found at www.microsoft.com/uk/financing and www.microsoft.com/uk/mfs, and by referring to the individual programme for the country of interest.
Top of page
Q - Will down payments be required?
A - There is generally no requirement for down payments.
Top of page
Q - Can non-Microsoft products be financed under the Microsoft Financing programme?
A - Yes, as long as Microsoft software is part of the solution and the minimum Microsoft content requirements are met.
Top of page
Q - Can I include IT Services in the financing deal?
A - Yes, as long as Microsoft software is part of the solution and the minimum Microsoft content requirements are met.
Top of page
Q - How long will it take for financing applications to be approved?
A - After the completed application and associated documents are received, a credit decision will generally be communicated on the same or next business day to the partner servicing the deal. Larger deals often require more time for approval. In any case, partners receive notification regarding the transaction within 24 hours.
Top of page
Who is eligible to finance software and total solutions under the Microsoft Financing Programme?
A - Any commercial or public sector customer that licenses Microsoft software as part of their IT investment can submit a credit application to the applicable financing provider.
Top of page
Q - What are the general credit approval guidelines?
A - Financing providers in the Microsoft Financing programme use prudent, industry standard lending terms and procedures. Lending decisions are made by the financing provider and are based on the creditworthiness of the customer. Credit terms and industry standards vary by country. Factors that historically benefited credit approval:
Business reports that show profitable operations.
Are well established in their industry and have been in business at least two years.
Have a good payment history as reported by outside credit bureaux.
Have a transaction size that is comparable to the overall capacity of their business size.
Have no history of bankruptcies and/or unfavourable judgements.
Have a positive net worth.
Top of page
