Software & License Financing
Perpetual and multi-year licenses, ERP, CRM, and practice-management systems. Software-only deals welcome, no hardware required.
- Amounts$10K – $3M
- Terms12 – 60 mo
- Soft costsInstall, training, support
Programs
Built around how the asset earns money.
We match your deal to lenders that specialize in your equipment type or software, so the term fits the useful life of what you're buying.
Hardware + Software Bundles
Servers, network gear, terminals, and the software that runs on them, in a single agreement with one payment.
- Amounts$25K – $3M
- Terms24 – 60 mo
- RefreshUpgrade mid-term options
Equipment Finance Agreement
Own the equipment from day one with fixed payments and no balloon. The asset itself secures the deal.
- Amounts$10K – $5M
- Terms24 – 84 mo
- New or usedBoth, incl. private sale
$1 Buyout & FMV Leases
Lower payments with a $1 purchase at the end, or a fair-market-value lease for technology you plan to replace.
- Amounts$10K – $2M
- Terms24 – 60 mo
- End of termBuy, return, or upgrade
Payment structures
Level
Same payment every month. Simplest to budget.
Deferred
First payment up to 90 days out, so the system goes live before you pay.
Step-up
Lower payments early while the new equipment or software ramps up.
Seasonal skip
Skip payments in your slow months. Common in farming, landscaping, and education.
Software eligibility
What software can be financed?
Lenders look at how you acquire the software, how long the license runs, and whether it's essential to daily operations. Here's a quick guide.
| How you buy it | Fit | What to know |
|---|---|---|
| Perpetual license | Strong fit | You keep the license after the last payment. |
| Multi-year term license | Strong fit | The finance term can't run longer than the license term. |
| Implementation, migration, training | Strong fit | Financed as soft costs when bundled with the license. |
| Prepaid annual SaaS | Case by case | Usually requires an established vendor or an approved provider program. |
| Month-to-month or cancelable SaaS | Not a fit | There's no committed obligation for a lender to finance. |
| Custom development only | Rarely | Labor-only projects are hard to finance without a license attached. |
Industries
Who we finance.
Specialist lenders for each sector, including public-sector and education buyers with budget-cycle structures.
Technology & ITServers, storage, networking, SaaS
HealthcareImaging, dental chairs, EHR software
ManufacturingCNC, robotics, additive printing
ConstructionExcavators, loaders, fleet telematics
TransportationTrucks, trailers, routing software
Restaurant & retailKitchens, POS systems, refrigeration
Audio-visualConference rooms, signage, broadcast
Public sector & educationFiscal-year funding, non-appropriation terms
How it works
From quote to funded.
Many deals up to $250K need only the application. Larger requests typically add two years of financial statements.
Check eligibility
About 2 minutesA few questions about your business and purchase. No hard credit pull to see your options.
Send the quote
Same dayShare the vendor invoice or software order form with one short application.
Review your offer
Typically 1–2 business daysWe send your file to the best-fit lender, then show you the APR, total cost, and every fee before you sign.
Vendor gets paid
After e-signatureThe lender pays your vendor directly. You take delivery or go live.
Our transparency standard
Know exactly what you're signing.
The biggest complaints about equipment financing aren't about speed. They're about fees and terms nobody explained. Here's what you'll see on every offer we present.
APR on every offerNot just a monthly payment. You'll see the APR, total of payments, and what it costs compared with paying cash.
Every fee, up frontDocumentation and lien-filing fees, interim rent, insurance, and property tax, shown before you sign, not on your first invoice.
End of term in plain EnglishWhether you own it, can return it, or face an automatic renewal, and the exact date you'd need to give notice.
No fine-print surprisesWe walk you through non-cancelable terms and what happens if equipment has problems before you sign, and remind you ahead of end-of-term deadlines.
Calculators
Run the numbers.
Estimate your monthly payment, then see what the purchase could save you at tax time.
Estimated monthly payment
Total of payments
Total finance charge
For illustration only. Not a commitment to lend or an offer of credit. Taxes, fees, and end-of-term options are not included.
Estimated first-year tax savings
Section 179 deduction
Net cost after savings
Year-one payments (48 mo est.)
Estimate only, not tax advice. Off-the-shelf software and most equipment can qualify. Confirm eligibility and current limits with your tax advisor.
For vendors & resellers
Sell the bigger system. We handle the financing.
Equipment dealers, MSPs, VARs, and software companies use point-of-sale financing to shorten sales cycles and close deals that stall on budget, including multi-vendor bundles of hardware, software, and services in one monthly payment.
Become a vendor partner- Monthly-payment quotingShow customers a payment, not a price, right in your proposal.
- One link for every dealShare your application link or QR code. Your customer applies and uploads documents directly with us, so you never handle their financials.
- Bundles welcomeHardware, software licenses, subscriptions, and services in one agreement, even across vendors.
- Status without chasingSee where each deal stands and when the lender will pay you.
- Payment programsDeferred starts, step payments, and quarter-end promotions where lenders support them.
- Customer stays yoursWe don't sell to your customers or steer them to other vendors.
Why BD Funding Partners
A broker that speaks technology.
Software and IT purchases don't fit neatly into a bank's equipment checklist. We know how licenses, subscriptions, and implementation work, and we put that in front of lenders who finance them.
We find the best-fit lenderWe match your file to the lender most likely to approve it on good terms, so you apply once instead of everywhere.
We know software dealsPerpetual vs. term licenses, SaaS commitments, soft costs. We structure the request so lenders understand what they're financing.
One point of contactThe same specialist handles your deal from quote to funding. No call centers, no handoffs.
Straight answersEvery offer comes with term, rate, payment, and end-of-term options laid out side by side, before you sign anything.
Check eligibility
See your options in about 2 minutes.
A specialist will follow up within one business day with programs that fit your purchase.
- No hard credit pull to check options
- Application-only programs for qualified deals up to $250K
- Buy from any vendor you choose
- Newer businesses considered
Questions
Common questions.
Are you a lender or a broker?
We're a commercial financing broker, not a lender. We work with third-party lenders that specialize in equipment and software financing, match your request to the best fit, and walk you through the offer. The lender makes the credit decision and is named in your agreement.
How will I know what this really costs?
Every offer we present shows the APR, total of payments, and every fee before you sign. For most business financing of $500K or less, California requires the lender to provide a cost disclosure, and we deliver it to you before we present any offer.
Can I finance software without buying hardware?
Yes. Software-only deals are common, including perpetual licenses, multi-year term licenses, and the implementation work to roll them out.
What happens at the end of the term?
With a perpetual license or an equipment finance agreement, you own it outright after the last payment. With a term license or FMV lease, you can renew, return, or roll into your next upgrade.
Can I finance used equipment or a private-party sale?
Yes. Lenders may ask for photos, a serial number, or an inspection on older assets.
Will checking eligibility affect my credit?
Seeing your options doesn't require a hard credit inquiry. A lender may run a full credit check once you choose an offer and submit a complete application.
Is there a tax benefit?
Many businesses can deduct qualifying equipment and off-the-shelf software in the year it's placed in service under Section 179, even when financed. Limits change each year, so confirm with your tax advisor.