Lemon launches 0% interest SaaS financing product, backed by Siemens

By Gloria Methri

Lemon, a financing platform that connects software vendors and buyers with faster, more personalised access to capital, has introduced a new 0% interest financing product to the market. Backed by European bank Siemens, the product is designed to improve cash flow for SaaS vendors by enabling them to receive upfront payments while allowing buyers to spread costs without incurring additional interest charges.

The new product marks a shift from Lemon’s earlier model, which focused on helping SaaS companies offer monthly payment options for discounted annual plans through interest-bearing embedded financing. With this latest development, vendors can now provide the exact discounted annual pricing through a finance plan with 0% interest on deals ranging from £1,000 to £10 million.

The platform provides tools for vendors to integrate financing options directly into their sales process, aiming to accelerate deal closures and expand customer payment flexibility. Buyers, in turn, benefit from interest-free financing and a simplified access-to-capital experience.

Instead of raising debt capital to support these transactions, Lemon is partnering with external funders—an approach that opens the door for lenders to enter a growing asset class. Siemens, seeking to tap into this market, is among the first financial institutions to back the initiative. The product launch reflects a broader trend in SaaS financing toward flexible, embedded solutions that aim to benefit both vendors and buyers by reducing financial friction in software procurement.

Speaking on the collaboration with Lemon, James Twineham from Siemens said, “Lemon presents an innovative product to the market which supports both businesses and vendors in getting the best possible deal for their services. The offering provides a range of lending opportunities with promising outcomes; they have a strong proposition with the potential to add significant value to vendors, their customers, and funders. I am excited to scale this product with Lemon soon.”

Commenting on the new product launch, CEO and Founder of Lemon Matt Bird said, “Partnering with Siemens accelerates our ability to achieve this, as we can now enable finance deals of any size, with varying interest structures. The zero percent proposition will be a game changer for many businesses and is something I have never seen before in this use case. We share the same values around financing, and with the innovative and modern thinking of the Siemens team combined with our technological and customer expertise, we are confident this collaboration has the potential to transform the industry. We are excited to see the product grow and for more companies to strengthen their financial positions because of it.”