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, you’re getting easy access to exclusive business discounts with your work account.

Person using a Microsoft Surface Pro with Surface Pen near a large office window.

Small business solutions: Flexible payments

Choose how to pay with a range of options designed for small businesses. Pay upfront by credit card, pay by invoice with a purchase order (PO), or spread the cost over time with financing.
Person using a Microsoft Surface Pro with Surface Pen near a large office window.

Small business solutions: Flexible payments

Choose how to pay with a range of options designed for small businesses. Pay upfront by credit card, pay by invoice with a purchase order (PO), or spread the cost over time with financing.
A Surface Pro 10 with a Slim Pen and a Surface Laptop 6.

Surface All Access for Business

Powerful tech, flexible terms—lease Surface for Business and spread your payments over 18, 24, 30, or 36 months. Business discounts may apply, if available. Call 1-800-642-7676 for details.

Enjoy the benefits of Surface All Access for Business

Payments on your schedule

Spread your payments over 18, 24, 30, or 36 months.

Access to the latest tech

Upgrade to the newest devices three months prior to the end of your lease.1

Expert support when you need it

Our business product experts can help you find the right solutions and unlock member discounts.2

                                                                                                                                                           

An architect draws on a Surface Pro 10 with a Surface slim pen.

Choose the products and payment plan for your business

Build customized bundles with the devices, accessories, software, and peace of mind your business needs. Then choose the payment schedule that’s right for you.
A man reads something on his Surface Pro 10.

Surface All Access for Business is powered by LiftForward

LiftForward provides a revolving line of credit to give you more purchasing power.3

            

A man watches a presentation over Teams on a Surface Laptop 6.

Get more with Surface All Access for Business

Surface All Access for Business gets you the Surface devices and accessories your business needs at a monthly price that fits your budget. Plus, you have the option to upgrade your hardware to the latest tech at the end of your term.

Frequently asked questions

  • Surface All Access for Business enables eligible businesses to lease Surface devices with one monthly payment. When your lease ends, you can return the device, buy it outright, or upgrade to the latest model.

    Review the full program FAQ and terms and conditions on the tab, or chat with our Microsoft sales team to see whether Surface All Access for Business is right for your business.

  • Microsoft offers several ways for eligible small businesses to pay for Surface for Business devices. You can pay upfront by credit card for a fast, self-serve checkout; pay by invoice with a Purchase Order; or spread the cost over time with leasing through Surface All Access for Business or financing through PNC Vendor Finance.

    Available options, eligibility requirements, and terms may vary. Chat with our Microsoft sales team to find the right fit.

  • It depends on how your business prefers to buy. Pay upfront by credit card for the fastest self-serve checkout. Choose a Purchase Order if your organization buys by invoice or requires POs and internal approvals. Consider Surface All Access for Business or PNC Vendor Finance if you would rather preserve cash flow and spread payments over time.

    Chat with our Microsoft sales team to walk through the options.

  • Businesses can choose from several ways to acquire Surface for Business devices based on budget and technology needs:

    1. Buy outright to own the devices immediately from the Microsoft Store.
    2. Pay by invoice using a Purchase Order if your organization uses PO invoicing and procurement processes.
    3. Finance your purchase through PNC Vendor Finance and pay over time.
    4. Lease through Surface All Access for Business, which bundles your Surface device into one monthly payment. When your lease ends, you can return the device, buy it outright, or upgrade to the latest model.
[1] Requires account in good standing, return of device/accessory packaging, and execution of new lease documentation.
  • [2] Software support is limited to software pre-installed on Surface devices.
  • [3] Terms and conditions apply; See full agreement. See full program FAQs and Terms and Conditions for additional information. 
A Surface Pro 10 with a Slim Pen and a Surface Laptop 6.

Surface All Access for Business

Powerful tech, flexible terms—lease Surface for Business and spread your payments over 18, 24, 30, or 36 months. Business discounts may apply, if available. Call 1-800-642-7676 for details.

Enjoy the benefits of Surface All Access for Business

Payments on your schedule

Spread your payments over 18, 24, 30, or 36 months.

Access to the latest tech

Upgrade to the newest devices three months prior to the end of your lease

Expert support when you need it

Our business product experts can help you find the right solutions and unlock member discounts.²

                                                                                                                                                           

An architect draws on a Surface Pro 10 with a Surface slim pen.

Choose the products and payment plan for your business

Build customized bundles with the devices, accessories, software, and peace of mind your business needs. Then choose the payment schedule that’s right for you.
A man reads something on his Surface Pro 10.

Surface All Access for Business is powered by LiftForward

LiftForward provides a revolving line of credit to give you more purchasing power.³

            

A man watches a presentation over Teams on a Surface Laptop 6.

Get more with Surface All Access for Business

Surface All Access for Business gets you the Surface devices and accessories your business needs at a monthly price that fits your budget. Plus, you have the option to upgrade your hardware to the latest tech at the end of your term.

Frequently asked questions

  • Surface All Access for Business enables eligible businesses to lease Surface devices with one monthly payment. When your lease ends, you can return the device, buy it outright, or upgrade to the latest model.

    Review the full program FAQ and terms and conditions on the tab, or chat with our Microsoft sales team to see whether Surface All Access for Business is right for your business.

  • Microsoft offers several ways for eligible small businesses to pay for Surface for Business devices. You can pay upfront by credit card for a fast, self-serve checkout; pay by invoice with a Purchase Order; or spread the cost over time with leasing through Surface All Access for Business or financing through PNC Vendor Finance.

    Available options, eligibility requirements, and terms may vary. Chat with our Microsoft sales team to find the right fit.

  • It depends on how your business prefers to buy. Pay upfront by credit card for the fastest self-serve checkout. Choose a Purchase Order if your organization buys by invoice or requires POs and internal approvals. Consider Surface All Access for Business or PNC Vendor Finance if you would rather preserve cash flow and spread payments over time.

    Chat with our Microsoft sales team to walk through the options.

  • Businesses can choose from several ways to acquire Surface for Business devices based on budget and technology needs:

    1. Buy outright to own the devices immediately from the Microsoft Store.
    2. Pay by invoice using a Purchase Order if your organization uses PO invoicing and procurement processes.
    3. Finance your purchase through PNC Vendor Finance and pay over time.
    4. Lease through Surface All Access for Business, which bundles your Surface device into one monthly payment. When your lease ends, you can return the device, buy it outright, or upgrade to the latest model.
[1] Requires account in good standing, return of device/accessory packaging, and execution of new lease documentation.
  • [2] Software support is limited to software pre-installed on Surface devices.
  • [3] Terms and conditions apply; See full agreement. See full program FAQs and Terms and Conditions for additional information. 
A Surface Laptop Copilot+ PC and a Surface Pro Copilot+ PC with a Surface Slim Pen.

PNC Vendor Finance

Enjoy low monthly payments on all your Microsoft products with business financing from PNC.1 Spread your payments across 12 to 36 months and get special business pricing on eligible devices.2

How it works

1. Get a quote from us

Before contacting PNC, chat with our AI-powered Store Assistant or call us for a product pricing quote.

2. Get a credit application

Contact PNC for a financing quote and credit application form.

3. Submit your documents

Complete and send in your credit application to PNC for approval.

4. Complete your order

Once you’ve been approved, confirm your order and we’ll ship your products.

 

 

A man uses a black Surface Laptop 10 that is hooked up to two monitors with a dock

Flexible payment options through PNC

PNC is an approved funding partner for Microsoft, providing access to capital and industry-leading finance products and services when you need it, so you can keep your business running at peak performance.

               

Frequently asked questions

  • Our financing solutions are for businesses and public sector entities (schools, state and local governments, non-profits, universities, etc.).
  • We provide loans with terms of 12 to 36 months, with a minimum opportunity size of $2,000.
  • Decisions are based on the credit strength of your company, including:

    •  A minimum of 5 years in business
    • Comparable size credit history
    • A good trade payable score
    • May require a personal guaranty
    • May require financial statements
  • Based on the opportunity size, the typical turnaround time is one business day.
  • Any related Microsoft product or service, including hardware, software, accessories, and warranties.
  • Once a transaction has been funded, a new contract will need to be completed to add new equipment.
  • Chat with our AI-powered Store Assistant or call us at 1 800-642-7676 for a product pricing quote.
  • Microsoft offers several ways for eligible small businesses to pay for Surface for Business devices. You can pay upfront by credit card for a fast, self-serve checkout; pay by invoice with a Purchase Order; or spread the cost over time with leasing through Surface All Access for Business or financing through PNC Vendor Finance.

    Available options, eligibility requirements, and terms may vary. Chat with our Microsoft sales team to find the right fit.

  • It depends on how your business prefers to buy. Pay upfront by credit card for the fastest self-serve checkout. Choose a Purchase Order if your organization buys by invoice or requires POs and internal approvals. Consider Surface All Access for Business or PNC Vendor Finance if you would rather preserve cash flow and spread payments over time.

    Chat with our Microsoft sales team to walk through the options.

  • Businesses can choose from several ways to acquire Surface for Business devices based on budget and technology needs:

    1. Buy outright to own the devices immediately from the Microsoft Store
    2. Pay by invoice using a Purchase Order if your organization uses PO invoicing and procurement processes. 
    3. Finance your purchase through PNC Vendor Finance and pay over time. 
    4. Lease through Surface All Access for Business, which bundles your Surface device into one monthly payment. When your lease ends, you can return the device, buy it outright, or upgrade to the latest model. 
[1] Requires account in good standing, return of device/accessory packaging, and execution of new lease documentation.
  • [2] Software support is limited to software pre-installed on Surface devices.
A Surface Laptop Copilot+ PC and a Surface Pro Copilot+ PC with a Surface Slim Pen.

PNC Vendor Finance

Enjoy low monthly payments on all your Microsoft products with business financing from PNC.1 Spread your payments across 12 to 36 months and get special business pricing on eligible devices.2

How it works

1. Get a quote from us

Before contacting PNC, chat with our AI-powered Store Assistant or call us for a product pricing quote.

2. Get a credit application

Contact PNC for a financing quote and credit application form.

3. Submit your documents

Complete and send in your credit application to PNC for approval.

4. Complete your order

Once you’ve been approved, confirm your order and we’ll ship your products.

 

 

A man uses a black Surface Laptop 10 that is hooked up to two monitors with a dock

Flexible payment options through PNC

PNC is an approved funding partner for Microsoft, providing access to capital and industry-leading finance products and services when you need it, so you can keep your business running at peak performance.

               

Frequently asked questions

  • Our financing solutions are for businesses and public sector entities (schools, state and local governments, non-profits, universities, etc.).
  • We provide loans with terms of 12 to 36 months, with a minimum opportunity size of $2,000.
  • Decisions are based on the credit strength of your company, including:

    •  A minimum of 5 years in business
    • Comparable size credit history
    • A good trade payable score
    • May require a personal guaranty
    • May require financial statements
  • Based on the opportunity size, the typical turnaround time is one business day.
  • Any related Microsoft product or service, including hardware, software, accessories, and warranties.
  • Once a transaction has been funded, a new contract will need to be completed to add new equipment.
  • Chat with our AI-powered Store Assistant or call us at 1 800-642-7676 for a product pricing quote.
  • Microsoft offers several ways for eligible small businesses to pay for Surface for Business devices. You can pay upfront by credit card for a fast, self-serve checkout; pay by invoice with a Purchase Order; or spread the cost over time with leasing through Surface All Access for Business or financing through PNC Vendor Finance.

    Available options, eligibility requirements, and terms may vary. Chat with our Microsoft sales team to find the right fit.

  • It depends on how your business prefers to buy. Pay upfront by credit card for the fastest self-serve checkout. Choose a Purchase Order if your organization buys by invoice or requires POs and internal approvals. Consider Surface All Access for Business or PNC Vendor Finance if you would rather preserve cash flow and spread payments over time.

    Chat with our Microsoft sales team to walk through the options.

  • Businesses can choose from several ways to acquire Surface for Business devices based on budget and technology needs:

    1. Buy outright to own the devices immediately from the Microsoft Store
    2. Pay by invoice using a Purchase Order if your organization uses PO invoicing and procurement processes. 
    3. Finance your purchase through PNC Vendor Finance and pay over time. 
    4. Lease through Surface All Access for Business, which bundles your Surface device into one monthly payment. When your lease ends, you can return the device, buy it outright, or upgrade to the latest model. 
[1] Requires account in good standing, return of device/accessory packaging, and execution of new lease documentation.
  • [2] Software support is limited to software pre-installed on Surface devices.
Surface Laptop and Surface Pro family devices displayed on a light background.

Buy with a Purchase Order (PO)

Pay by invoice with Net 30 terms, a standard way for businesses to buy without a credit card. You’ll have 30 days to pay, no cash up front needed. Complete your order with help from a Microsoft product expert by calling 1 800-642-7676.

How it works

Flip decorative flag

Contact us

Call a Microsoft product expert at 1 800-642-7676 to get started.
Flip decorative flag

Get a quote

Confirm pricing and order details with a Microsoft product expert.
Flip decorative flag

Submit your PO

Send your Purchase Order and we'll begin processing your order.
Flip decorative flag

Complete and pay

Your order ships and you pay by invoice with Net 30 terms.

                                                                                                                                                           

            

Frequently asked questions

  • A Purchase Order, or PO, is a standard business purchasing document that lets your organization place an order and pay by invoice instead of using a credit card. Businesses often use POs for expense tracking, internal approvals, invoicing requirements, or non-credit card payment methods.
  • Purchase Orders are available for eligible business customers purchasing Surface for Business products. POs are often a good fit for organizations buying multiple devices, requiring internal purchasing approval, or preferring to pay by invoice instead of credit card.
  • Chat with our Microsoft sales team to get started. We can help confirm eligibility, pricing, and order details, then provide the information you need to submit your Purchase Order and complete your order by invoice.
  • Purchase Orders are invoiced with Net 30 payment terms. That means payment is due within 30 days of the invoice date. Terms and eligibility may vary.
  • Payment instructions are included on your invoice. PO invoices are paid by wire transfer or EFT/ACH.

    Checks, credit cards, and PayPal are not available for purchases made on a PO credit line.

  • Microsoft offers several ways for eligible small businesses to pay for Surface for Business devices. You can pay upfront by credit card for a fast, self-serve checkout; pay by invoice with a Purchase Order; or spread the cost over time with leasing through Surface All Access for Business or financing through PNC Vendor Finance.

    Available options, eligibility requirements, and terms may vary. Chat with our Microsoft sales team to find the right fit.

  • It depends on how your business prefers to buy. Pay upfront by credit card for the fastest self-serve checkout. Choose a Purchase Order if your organization buys by invoice or requires POs and internal approvals. Consider Surface All Access for Business or PNC Vendor Finance if you would rather preserve cash flow and spread payments over time.

    Chat with our Microsoft sales team to walk through the options.

  • Businesses can choose from several ways to acquire Surface for Business devices based on budget and technology needs:

    1. Buy outright to own the devices immediately from the Microsoft Store.  
    2. Pay by invoice using a Purchase Order if your organization uses PO invoicing and procurement processes.  
    3. Finance your purchase through PNC Vendor Finance and pay over time.  
    4. Lease through Surface All Access for Business, which bundles your Surface device into one monthly payment. When your lease ends, you can return the device, buy it outright, or upgrade to the latest model.
Surface Laptop and Surface Pro family devices displayed on a light background.

Buy with a Purchase Order (PO)

Pay by invoice with Net 30 terms, a standard way for businesses to buy without a credit card. You’ll have 30 days to pay, no cash up front needed. Complete your order with help from a Microsoft product expert by calling 1 800-642-7676.

How it works

Contact us

Call a Microsoft product expert at 1 800-642-7676 to get started.

Get a quote

Confirm pricing and order details with a Microsoft product expert.

Submit your PO

Send your Purchase Order and we'll begin processing your order.

Complete and pay

Your order ships and you pay by invoice with Net 30 terms.

                                                                                                                                                           

            

Frequently asked questions

  • A Purchase Order, or PO, is a standard business purchasing document that lets your organization place an order and pay by invoice instead of using a credit card. Businesses often use POs for expense tracking, internal approvals, invoicing requirements, or non-credit card payment methods.
  • Purchase Orders are available for eligible business customers purchasing Surface for Business products. POs are often a good fit for organizations buying multiple devices, requiring internal purchasing approval, or preferring to pay by invoice instead of credit card.
  • Chat with our Microsoft sales team to get started. We can help confirm eligibility, pricing, and order details, then provide the information you need to submit your Purchase Order and complete your order by invoice.
  • Purchase Orders are invoiced with Net 30 payment terms. That means payment is due within 30 days of the invoice date. Terms and eligibility may vary.
  • Payment instructions are included on your invoice. PO invoices are paid by wire transfer or EFT/ACH.

    Checks, credit cards, and PayPal are not available for purchases made on a PO credit line.

  • Microsoft offers several ways for eligible small businesses to pay for Surface for Business devices. You can pay upfront by credit card for a fast, self-serve checkout; pay by invoice with a Purchase Order; or spread the cost over time with leasing through Surface All Access for Business or financing through PNC Vendor Finance.

    Available options, eligibility requirements, and terms may vary. Chat with our Microsoft sales team to find the right fit.

  • It depends on how your business prefers to buy. Pay upfront by credit card for the fastest self-serve checkout. Choose a Purchase Order if your organization buys by invoice or requires POs and internal approvals. Consider Surface All Access for Business or PNC Vendor Finance if you would rather preserve cash flow and spread payments over time.

    Chat with our Microsoft sales team to walk through the options.

  • Businesses can choose from several ways to acquire Surface for Business devices based on budget and technology needs:

    1. Buy outright to own the devices immediately from the Microsoft Store.  
    2. Pay by invoice using a Purchase Order if your organization uses PO invoicing and procurement processes.  
    3. Finance your purchase through PNC Vendor Finance and pay over time.  
    4. Lease through Surface All Access for Business, which bundles your Surface device into one monthly payment. When your lease ends, you can return the device, buy it outright, or upgrade to the latest model.
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