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Lemon
Upfront Cash for SaaS, Flexible Payments for Customers

Lemon
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Home: https://lemon.co

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What is Lemon?

Lemon is a customer financing platform tailored for SaaS and software companies seeking to enhance their cash flow and close more deals. By allowing providers to offer their customers flexible payment terms, such as monthly or quarterly installments, Lemon ensures that SaaS companies get paid the entire contract value upfront. The service is designed to help businesses scale rapidly without waiting months for revenue, and eliminates the need for SaaS providers to chase invoices or take on debt.

Using a trusted lending network, Lemon matches each transaction to the most suitable financing partner based on customer profile, contract size, and location. Vendors maintain control over the borrowing cost, deciding whether to absorb, share, or pass it on to customers, all with 0% financing for buyers. The streamlined, risk-free solution supports a broad range of SaaS-related contracts and services, from subscriptions to onboarding and training, backed by seamless integrations, instant eligibility checks, and robust security measures.

Features

  • Flexible Payment Plans: Offer customers monthly, quarterly, or annual payment schedules for software and related services.
  • Upfront Revenue Collection: Vendors receive the total contract value on day one, freeing up capital immediately.
  • No Platform or Setup Fees: Only a 2% fee per closed deal, with no subscription or hidden charges.
  • Lending Network Matching: Automatically pairs transactions with optimal lending partners based on customer and contract details.
  • Risk-Free for Vendors: Lenders assume full risk and handle collections; vendors retain full payout regardless of customer repayment.
  • 0% Customer Financing: Clients enjoy interest-free financing with manageable installment payments.
  • Instant Verification: Quick behind-the-scenes checks determine customer eligibility and available financing.
  • Customizable Borrowing Costs: Vendors can absorb, share, or pass borrowing costs to customers as needed.
  • Support for SaaS-Related Services: Financing available for onboarding, implementation, and other service fees tied to software contracts.
  • No Impact on Customer Credit Score: Soft credit checks ensure eligibility without affecting buyers’ credit ratings.

Use Cases

  • Close larger SaaS contracts by offering customers flexible, interest-free installment plans.
  • Accelerate business cash flow and fuel growth with full upfront revenue from multi-year deals.
  • Increase customer retention and renewal rates by making annual subscriptions more affordable.
  • Simplify upselling to higher SaaS tiers by spreading upgrade costs over easy monthly payments.
  • Finance software implementation, training, or integration services together with SaaS subscriptions.
  • Eliminate the operational hassle of chasing invoices and payment collections.

FAQs

  • What types of SaaS contracts can Lemon finance?
    Lemon can finance annual, multi-year, and renewal contracts for SaaS products, as well as software-related professional services such as onboarding, integration, and training.
  • How does Lemon's risk-free financing work for vendors?
    Lemon’s lending partners assume the risk of customer non-payment, ensuring vendors receive the full contract value upfront and are unaffected if a customer defaults.
  • Is there a minimum contract value for Lemon financing?
    Yes, Lemon supports financing for contracts of $25,000 and above.
  • Does Lemon offer international financing?
    Currently, Lemon supports financing for customers within the same country as the vendor, with plans to expand internationally soon.
  • What happens if a buyer is rejected for financing?
    If one lender rejects a buyer, Lemon will attempt to match the customer with other lending partners; if no match is found, alternative payment options must be considered.

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