Financial infrastructure for SaaS

Get paid upfront.
Let your customers pay monthly.

Turn annual contracts into immediate cash flow. Your customers pay monthly. We handle everything in between.

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Paid in 24–48 hours
3–5% fee
No balance sheet risk
Collections handled
Approved
Contract #M-20481
€19,200
is on the way to your account
Funds will settle within 24–48 hours.
Contract value €20,000
Payout €19,200
Status Processing
Updated 2 mins ago
Economic impact

The same contract.
A very different outcome.

On a €20,000 contract, the difference between discounting and Monthly is €3,200 — recovered per deal.

Without Monthly
20% discount to close
€16,000
collected after discount
Contract value€20,000
Discount given−€4,000
You collect€16,000
vs +€3,200 recovered
With Monthly
Paid in 24–48 hours
€19,200
upfront, day one
Contract value€20,000
Monthly fee (4%)−€800
You receive€19,200

3–5% fee vs ~20% discount. €3,200 difference on a single €20k contract.

How it works

From signed contract to upfront payment

No changes to your sales process. Monthly sits between contract close and payment receipt.

← upfront payout
monthly repayments →
You
Seller
1 Close annual contract
2 Offer Monthly at checkout
3 Get paid upfront
Platform
Monthly
A Underwrite instantly
B Fund contract
C Settle payment
D Collect repayments
E Manage risk
Your customer
Buyer
1 Choose monthly payments
2 Access the product
3 Pay over time

Annual contract. Upfront cash. Monthly repayment.

Value

Stop discounting
for cash.

Most SaaS companies give up 15–25% in annual discounts. Not because of pricing. Because of timing. Monthly replaces discounting with a 3–5% financing cost. Same deal. Better outcome.

01

Upfront settlement

Full contract value paid to you within 24–48 hours of approval.

02

Instant underwriting

Each buyer is underwritten individually. Decisions in seconds.

03

No discounting

Stop giving away revenue to close. 3–5% fee replaces 15–25% discounts.

04

Risk handled

Credit, collections, and default management. All handled by Monthly.

05

Faster sales cycles

Remove payment term friction from late-stage deals. Close faster.

06

Predictable cash flow

Every closed contract is an immediate cash event. Model with confidence.

Annual contracts shouldn't kill great deals.

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Why now

Payment structure is now a
competitive advantage.

Buyers care about runway. Finance is involved in every purchase. Cash efficiency matters more than ever.

Buyers care about runway

CFOs are under pressure to manage working capital. Monthly billing has become a procurement requirement, not a preference.

Finance is in every purchase

Finance teams now review every contract. Annual upfront payments face more pushback than at any point in the last decade.

Annual contracts still make sense

Upfront payment doesn't. Monthly converts your annual receivable into same-day working capital — without changing how you sell.

Credibility

Built by people who
understand credit.

Structured B2B receivables. Designed to pass CFO and legal review. Not consumer BNPL.

Funded by institutional capital partners Built for B2B annual SaaS contracts Not consumer BNPL

Structured settlement

You receive upfront payment for your contract. Monthly manages collections. If a customer defaults, any unpaid portion is adjusted based on collections.

Balance sheet neutral

Not a loan. Revenue recognition and financial ratios are unaffected.

Transaction-level underwriting

Each contract underwritten individually. No covenants attached to your business.

Designed for institutional capital

Funded by institutional capital partners. Structured B2B receivables, not consumer finance.

Who it's for

Built for SaaS companies
that sell annual

If payment terms are slowing deals, this is for you.

€1m–€30m ARR. €5k–€100k contracts. Selling into capital-conscious buyers who need monthly terms but can't commit to annual upfront.

€1m–€30m
ARR range
€5k–€100k
ACV range
B2B SaaS
Product type
Operations

What changes for your team

Monthly is financial infrastructure, not a workflow overhaul. CFOs and ops teams can evaluate this in minutes.

No change to your sales process

Close deals exactly as you do today. Submit the signed contract to Monthly after close.

Monthly handles billing and collections

Your customer pays Monthly directly on monthly terms. You don't manage invoicing or chasing payments.

Payments tracked in a simple dashboard

Full visibility on every contract, payment status, and settlement. Built for finance teams.

Minimal integration required. Monthly works alongside your existing billing and CRM setup. No lengthy implementation.

Annual contracts shouldn't kill great deals.

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Now onboarding early SaaS partners

Turn contracts
into cash.

Annual contracts shouldn't kill great deals.

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Monthly is currently in development. Join the waitlist to get early access.