Home > How to Buy > Microsoft Financing FAQ
Microsoft works with multiple financing providers in 14 countries around the world to offer world-class financing solutions under the Microsoft Payment Solutions brand. Our financing experts work with you to define your technology-related business needs and objectives, set up a payment structure that can work with your budget, and help you maintain important cash flow. We offer payment solutions without any additional fees, typically no down payment is required, and terms range from two to five years, making it easy to match your payments to realized IT benefits immediately.
Flexible payment options allow customers to:
Spread the costs of their technology over an extended period of time, thus preserving their cash resources
Pay for additional service needs and unexpected costs
Benefit from a streamlined and responsive lending process
Flexible payments allow customers to optimize their IT roadmap. By working with a Microsoft Solution Partner who understands their business, a customer can align IT costs to benefits and ensure that the solution is part of a long-term plan rather than just a quick fix. Monthly, quarterly, and semi-annual payments are available—each with the option of ramping or deferring payments to align with product deployment or cash flow requirements.
Non-Microsoft products or services can be financed under the Microsoft Payment Solutions program, as long as Microsoft software and/or services are part of the solution. There are minimum Microsoft content requirements (typically 10 to 15 percent). These vary by country and lender; check with your local representative.
Customers can finance their entire IT solution. In addition to financing their Microsoft solution, customers can also finance partner and third-party services and products under one agreement.
Established in 2005, Microsoft Payment Solutions provides customers with flexible, customized payments solutions tailored to their budget. This helps businesses better match budget, cash flow, and deployment schedules so they can meet their evolving business demands quickly by getting to the IT solutions they need now.
Microsoft Payment Solutions helps customers focus on what matters most: finding the best IT solution to ensure business success. Microsoft Payment Solutions enables customers to have one financing resource for IT needs, including end-to-end solutions. Depending on the business size and budget-management requirements, Microsoft Certified Partners offer Total Solution Financing and Software License Financing programs that help global businesses finance technology solutions. For organizations that already license software from Microsoft, License Financing options are convenient and spread the costs of the software over an extended period of time, preserving capital resources for other investment.
Financing is for 24 to 60 months, depending on the financing program.
Competitive interest rates will be offered to customers, determined by the market conditions, transaction size, and customer creditworthiness.
Purchases financed can range from several thousand dollars to several millions of dollars; customers range from small businesses to global Fortune 500 companies. Customers can apply for any amount required, providing it exceeds the minimum transaction size.
The minimum amount of an initial financing agreement is set at a program level and varies by country. In the United States, for example, the current minimum investment is US$3,000.00.
Learn more about Microsoft Payment Solutions
There is generally no requirement for down payments.
Customers interested in a financing solution and application should contact their local Microsoft Certified Partner, Microsoft Account Manager, or authorized distributor.
Find a Microsoft Certified Partner in your country/region
Microsoft Payment Solutions currently operates in the following 14 countries/regions.
North America: United States and Canada
Europe, the Middle East, and Africa: United Kingdom, Germany, Spain, Belgium, France, Italy, Switzerland, and The Netherlands
Asia Pacific: Australia, New Zealand, and Japan
Latin America: Brazil
Microsoft Payment Solutions is expanding to include additional countries.
(PDF, 749 KB)
See how Steria benefitsfrom flexible payments(WMV 3:14 min)
Using Microsoft Financing made it easy to update our Enterprise Agreement. We were able to get the IT solution we need now and pay for it at a later date with flexible payments.
Phillip Cournot, Corporate Purchasing Manager Steria
Read full Case Study