ERP Financing Trends in 2025

ERP Financing Trends in 2025

ERP Financing Trends in 2025

As ERP systems become the backbone of digital transformation, how companies finance ERP software is changing just as rapidly. In 2025, businesses are prioritizing flexibility, speed, and strategic ROI in their ERP investments. Whether you’re considering Sage / SageIntacct financing, Odoo financing, NetSuite financing, Acumatica financing, Oracle ERP financing or SAP ERP financing, here’s what to expect in the year ahead.

Subscription-Based SaaS Financing

With more ERP providers moving to SaaS, monthly or annual subscription financing is the new norm. This allows businesses to avoid large upfront costs and aligns payments with usage and cash flow.

Bundled ERP Financing Projects Are Gaining Popularity

Businesses are increasingly looking to finance the full ERP project, including software, implementation, training, and integration costs. Lenders and ERP partners are responding by offering bundled financing solutions under one monthly payment.

ERP implementation and training costs are often more expensive than the ERP subscription and can impact whether a company can afford an ERP system. Bundling the entire ERP project and turning the cost into monthly payments can allow smaller and mid-sized businesses to implement ERP systems without impacting their cash flow.

Financing Companies Join the ERP Market

Financing companies such as Dimension Funding are disrupting traditional lending with fast, tech-driven ERP financing options. Expect quicker approvals, flexible terms, and more competitive rates than legacy banks.

Increased Focus on ROI-Based Structuring

Lenders and companies are working closely to structure ERP financing terms around expected ROI. This helps justify the investment internally and ensures payments track closely with realized value.

Conclusion

As ERP systems move to SaaS, the way we pay for them must keep pace. Whatever ERP system you are implementing, the key in 2025 is flexible, scalable ERP financing that supports growth without disrupting cash flow.

📞 Want to explore your ERP financing options?
Contact Dimension Funding to learn how we can help you fund your ERP project.

Fueling Growth: How Vacuum Truck Financing Can Improve your Bottom Line

Vacuum truck financing / pumper truck financing

Fueling Growth: How Vacuum Truck Financing Can Improve your Bottom Line

If you’re in industries like septic services, environmental cleanup, or industrial waste management, having the right equipment is essential. Whether you call it a vacuum truck or a pumper truck, this vehicle is a cornerstone of your operation. And a major investment. That’s why more businesses are choosing vacuum truck financing as a strategic way to access the equipment they need without putting pressure on cash flow.

What Is Vacuum Truck Financing?

Vacuum truck financing (also known as pumper truck financing) allows you to acquire a new or used truck through manageable monthly payments rather than a large upfront purchase. This keeps your capital free for other areas of your business, such as staffing, marketing, or expansion.

Whether you’re growing your fleet or upgrading outdated equipment, financing for vacuum trucks gives you the flexibility and financial breathing room to scale on your own terms.

Business Benefits of Financing a Vacuum Truck

Protect Your Cash Flow

Rather than draining your reserves with a large purchase, financing a vacuum truck lets you spread costs out over time. This helps you maintain a healthy cash flow while still acquiring essential equipment for daily operations.

Access Revenue-Generating Equipment Immediately

When you finance a vacuum truck or pumper truck, you can start putting it to work right away. No need to delay new contracts or turn down high-paying jobs. Your new truck can start generating income as soon as it hits the road.

Faster Return on Investment (ROI)

With vacuum truck financing, you don’t need to wait to see results. The equipment often pays for itself through increased job capacity and improved efficiency. The revenue generated can help cover your monthly payments, making the investment self-sustaining.

Flexible Financing Options

Lenders today offer a range of flexible vacuum truck financing options, including low-interest loans, seasonal payment plans, and lease-to-own agreements. These plans are designed to fit your business model, whether you operate year-round or seasonally.

Why Financing for Vacuum Trucks Makes Sense

Whether you refer to it as a vacuum truck or a pumper truck, financing makes acquiring this vital piece of equipment much easier and smarter. Instead of waiting years to save, financing for vacuum trucks lets you grow now, with payments that work for your budget.

Need help getting started with vacuum truck financing? Let’s explore the right solution for your business so you can stay competitive, grow faster, and operate more efficiently.

Costs of Implementing an ERP System

Costs of ERP Implementation

Costs of Implementing an ERP System

What to Expect When Implementing an ERP System

Enterprise Resource Planning (ERP) systems are powerful tools that streamline business operations by integrating various functions like finance, inventory, and human resources into one cohesive platform. While the benefits of an ERP system are undeniable, it’s important for businesses to consider the costs involved in implementing one.

  1. Software Costs: The most obvious expense is the software itself. ERP solutions vary greatly depending on the complexity and the size of your business. Prices can range from a few thousand dollars for basic systems to hundreds of thousands for large-scale, enterprise-level solutions.
  2. Customization and Integration: Most businesses need some level of customization to tailor the ERP system to their unique needs. This can include integrating the system with existing software tools, databases, or third-party applications. Customization and integration costs can add up quickly, depending on the complexity of your business operations.
  3. Training: Employees need to be trained to use the new ERP system efficiently. Training costs can be substantial, particularly for large teams or complex systems. Factor in both the cost of training materials and the time spent away from regular duties to learn the system.
  4. Implementation and Consulting Fees: ERP implementation often requires external consultants or specialists to ensure the system is set up properly and the business processes are aligned. These fees can range from a few thousand to tens of thousands of dollars depending on the project scope.
  5. Ongoing Maintenance and Support: Once the ERP system is up and running, ongoing support and maintenance are necessary to keep the system updated, secure, and functioning smoothly. Many ERP vendors charge a recurring annual fee for this service.
  6. Hidden Costs: It’s easy to overlook hidden costs such as data migration, system downtime during implementation, and potential disruptions to daily operations. These indirect costs can affect productivity and should be accounted for in your budget.

While ERP systems offer long-term benefits in terms of efficiency and scalability, their initial implementation costs can be significant. It’s crucial to carefully plan and budget for both the direct and indirect expenses to ensure a successful deployment.

Financing for ERP System Implementation

Given the large upfront costs of purchasing and implementing ERP systems, financing could be appropriate. Both the software and the implementation costs can be financed for up to 60 months turning the upfront costs into fixed, monthly payments.

Contact Dimension Funding for more information.

Upgrade Brewery Equipment On a Budget

Upgrade your brewery equipment on a budget

Upgrade Brewery Equipment On a Budget

How Financing Can Help You Upgrade Your Brewery Equipment on a Budget

Upgrading your brewery equipment is a crucial step in ensuring the quality, efficiency, and capacity of your brewing operations. However, the cost of new equipment can be a significant barrier, especially for smaller or growing breweries. This is where financing can play a pivotal role in making upgrades possible without draining your budget.

  1. Preserving Cash Flow

Upgrading equipment is essential, but paying for it upfront can strain your cash flow. Financing allows you to spread the cost of new equipment over a set period, which means you can invest in the tools you need without draining working capital. This way, you can continue brewing, marketing, and selling without disruption while managing payments in a predictable manner.

  1. Access to Modern Equipment

Breweries are constantly evolving, and so is the technology that powers them. Financing enables you to upgrade to the latest brewing equipment, which can boost your production capacity, efficiency, and consistency. Whether it’s a more energy-efficient boiler, a state-of-the-art fermenter, or advanced filtration systems, financing helps you keep pace with industry innovations while staying within your budget.

  1. Avoiding Downtime

Old or outdated equipment can lead to frequent breakdowns, leading to production downtime and delays. With financing, you can replace equipment that’s no longer reliable with new machines that improve efficiency and reduce maintenance costs. By upgrading on a budget, you ensure that your brewery runs smoothly and stays ahead of potential disruptions.

  1. Improved Efficiency and Profitability

Upgraded equipment often leads to better efficiency. For instance, new automated systems or faster brewing technology can increase your production volume, reduce waste, and improve product quality. Financing lets you access these benefits sooner rather than later, helping you increase your output and profitability without waiting years to save enough capital.

  1. Flexible Payment Options

When financing your brewery equipment, you have a variety of payment options to choose from. Depending on your cash flow and financial situation, you can select a payment plan that works best for you, whether it’s low monthly payments, seasonal terms, or even deferred payments. This flexibility ensures that you don’t have to compromise on the equipment you need to grow your business.

  1. Scaling Your Brewery Without Overstretching

With financing, you don’t need to wait until your brewery can fully afford an equipment upgrade. This enables you to scale up production to meet growing demand, expand your product offerings, and improve efficiency without compromising your budget. Financing allows you to grow strategically and responsibly.

Conclusion

Financing is an effective solution for upgrading your brewery equipment without straining your finances. It offers flexibility, preserves cash flow, and ensures that you can invest in modern, efficient equipment that keeps your brewery competitive. By financing your upgrades, you can enhance production, reduce downtime, and ultimately grow your business on your terms.

The High Cost of Implementing an ERP System and How Financing Can Help

The High Cost of Implementing an ERP System and How Financing Can Help

Implementing an Enterprise Resource Planning (ERP) system, such as SageIntacct, NetSuite or ODOO, can be a game-changer for businesses looking to streamline operations and enhance efficiency. However, the cost of implementing an ERP system can be substantial, often running into tens or even hundreds of thousands of dollars. This investment includes not only the software and hardware but also costs for customization, training, and ongoing support.

For many businesses, especially small and mid-sized enterprises, these upfront costs can be a major barrier to adopting an ERP system. Fortunately, there are financing options available that can help spread the expense over time. With financing plans offering terms of up to 60 months, companies can manage the financial strain of implementation by paying in affordable monthly installments.

By securing financing for ERP implementation, businesses can balance their budget while still gaining access to the powerful tools that drive long-term growth and efficiency. Whether through loans, leases, or vendor-financed programs, breaking down the cost into manageable payments ensures that the benefits of an ERP system are accessible without compromising cash flow.

With the right financing plan, companies can embark on their ERP journey without the burden of upfront costs, making it easier to stay competitive and position themselves for success.

Electric Vehicle Enhancements: The Benefits Of Purchasing EVs For Construction

Benefits of Purchasing Electric Vehicles for Construction

Electric Vehicle Enhancements: The Benefits Of Purchasing EVs For Construction

Benefits of Purchasing Electric Vehicles for Construction

When you think of futuristic technology, what do you picture? If you see an electric car, you’re not alone! Electric vehicles offer an unprecedented opportunity to abandon fossil fuels without sacrificing speed or convenience. While most people picture such vehicles in the hands of ordinary drivers, they also have significant commercial applications, especially in the construction industry.

As a construction company looking to invest in new technology, electric trucks, cranes, and other vehicles should be at the top of your list.

 

The Many Benefits of Electric Vehicles

Electric construction vehicles and equipment are among the best investments you can make as a construction company. They aid your company on multiple fronts, including through:

  • Sustainable Branding– With electric vehicles, every time local utilities add renewable sources or improve efficiency, your carbon footprint will fall. Your company will thus continuously grow more sustainable over time. Not only is this a good in itself, but clients who care about the environment will be more likely to choose you, leading to higher revenues.
  • Convenient Charging– Electric vehicles prevent you from having to deliver fuel to your worksites, instead charging your equipment with power from the grid. And while it currently takes a long time to do this, recent advances in battery technology may soon allow you to charge in as little as five minutes. You can thus keep all of your vehicles powered up at a fraction of the effort that it currently takes.
  • Silent Solutions– Vehicles and construction equipment that rely on electric technology make little noise. Considering that concerns over noise pollution are among the most common barriers to new construction projects, adopting electric vehicles gives you more flexibility in terms of where and when you build.

While these and other benefits make electric vehicles a great investment, not all companies have the resources to invest in this way. Electric vehicles are still highly expensive, putting them out of the price range of many new and small construction firms. And while they are falling in cost, waiting for them to become affordable for your firm could force you to defer considerable profits.

If you don’t have the money for such investments but want to reap the profits now, consider purchasing electric construction equipment with working capital. Working capital loans provide generous, flexible funding for construction projects, allowing you to invest in equipment that lowers costs, raises revenues, and saves the environment. For more information on buying electric construction vehicles and other new technologies with this capital, contact Dimension Funding today.

Wagering On Washing: Why Improved Sanitation in Breweries Is A Worthy Investment

Improved Sanitation in Breweries

Wagering On Washing: Why Improved Sanitation in Breweries Is A Worthy Investment

Wagering on Brewery Sanitation

As a brewery, you don’t just have a responsibility to satisfy your customers. You also have to keep them healthy and safe! You understand the importance of sanitation, and the benefits of improving it at every opportunity. By investing in new keg washers and other brewery cleaning equipment, you can obtain the highest standards of sanitation in your industry. This leads to large and lasting benefits, making it one of the best ways to invest in your brewery.

The Benefits of Improved Sanitation in Breweries

While most breweries understand that sanitation is important, there are some who are not aware of the full impact it can have. By purchasing the best possible cleaning equipment and taking full advantage of it, you can:

  • Reduce Interruptions– If one of your customers gets sick from consuming your product, you may need to shut your operations down and fix the problem. Your costs will thus increase even as your revenues grind to a halt. Investing in better sanitation equipment reduces both the frequency and the severity of these interruptions, bolstering your company’s finances.
  • Build a Better Brand– By buying the most advanced sanitation equipment on the market, you go beyond other breweries and establish yourself as a leader in cleanliness. This causes customers to trust you above your competitors, leading to greater loyalty and more consistent sales.
  • Prepare for Future Standards– What is considered advanced sanitation tech today will become the industry standard down the road. By adopting this technology now, you have more time to adapt to it, allowing you to incorporate it more effectively and with fewer disruptions.

Through these and other benefits, investing in the most effective cleaning equipment pays for itself many times over.

How Working Capital Helps You Invest in Cleanliness

Even after learning all the benefits of advanced sanitation, many companies are hesitant or unable to invest in it due to simple cost constraints. Cleaning equipment is expensive, and all but the largest brewers lack the cash to buy it outright. Thus when new devices become available, many brewers must slowly save up money before they can buy them.

Working capital loans let you skip the saving and start cleaning. They provide generous funding for new equipment, so you can make improvements now and then pay for them as your costs fall and revenues rise. As a result, you’ll never have trouble staying ahead of the curve on sanitation.

For more information on working capital, financing equipment, sanitation, and other keys to success in the brewing industry, contact Dimension Funding today.

Careful Construction: The Importance Of Working Capital To Worksite Safety

Importance of Working Capital to Construction site Safety

Careful Construction: The Importance Of Working Capital To Worksite Safety

Importance of Working Capital to Construction site Safety

Of all the duties that construction companies must fulfill, none is more important than keeping their worksites safe. Not only do such companies have a responsibility to their workers, who face some of the highest workplace injury rates in the modern market, but they must also safeguard anyone else in the area. To keep everyone safe while still running a productive business, you have to make a variety of investments on a regular basis. Working capital is essential for financing all these investments, including:

Quality Construction Uniforms

One of the simplest and most effective strategies for improving employees’ safety is investing in quality uniforms and other workplace gear. Construction uniforms use bright colors and reflective tape to alert workers to each other’s location. They also contain spaces to hold essential tools or attach harnesses. Certain uniforms may improve safety in particular climates. For example, if you do construction work in the American South during the summer, you’ll need gear that protects employees from heat and sun exposure.

Quality uniforms don’t come cheap, and if you need to rapidly expand your labor force or replace a large number of worn gear all at once, it may be hard to cover the cost from your ordinary revenues. Working capital allows you to pay for new uniforms whenever you need them, ensuring your employees have the gear necessary to stay safe at all times.

Effective Construction Equipment

From scaffolding to harnesses to precise measurement tools, quality construction equipment is critical to the well being of your employees. For maximal safety, it is essential not just to buy and use this equipment, but to replace it with more advanced equipment at every opportunity. These investments are almost always highly expensive, and only pay for themselves over long periods of time. Working capital will let you cover such costs now, achieving immediate improvements in employee safety.

Training Updates

No matter what uniforms and equipment they have to work with, employees can only stay safe if they have the necessary skills. You thus have to offer them periodic training courses that cover basic construction site safety while updating workers on any new gear or equipment they have to work with. Working capital may be necessary in order to obtain the best possible training instructors, software, and other resources. You may also need it to pay for lost productivity, since your employees will have to take time off work while training is going on.

Whether you’re looking to buy new equipment, update your uniforms, or pay for training courses, Dimension Funding has the working capital you need. For more information on providing a safe, efficient workplace, visit our website today.

The Future of Software and How You Can Control Costs

Controlling Software Costs

The Future of Software and How You Can Control Costs

Controlling Software Costs

In the ever-changing world of technology, it is easy to get lost in the benefits and features of each new advance and not see the increasing costs that can be associated with having the best infrastructure to run your business. The larger concern is usually the high cost of maintaining hardware; a hosted, subscription software environment often seems a cash-flow-friendly complement. But be warned: While the upfront cost may look attractive, the amount spent over the long run, as well as the the impact of future costs to strategic planning, can make monthly subscriptions an extremely expensive option.

Here are some tips from our experience with clients making software-buying decisions.

  1. Know your costs for the next five years. Software is typically not used for a month or even a single year; the average life span for a software product is three to 10 years. Software companies would like you to think in the short term when making a purchase decision — thus the smaller, initial outlay so cost will appear less of an obstacle — but planning for the long term is where the savings lie. Depending on the provider, typical savings on the same software bought with your next five years in mind, compared to paying for it month-to-month in subscription fees, can be as much as 10 to 40 percent over the same number of years.
  2. Control automatic cost increases. Look at your subscription license agreement and realize how much the software company can raise the subscription price year after year. Many say the cost of renewing your subscription may rise as much as 10 percent each year. Purchasing for multiple years, or signing a multiyear contract, can avoid or mitigate this automatic cost increase.
  3. Research and establish your full implementation costs; look for prepaid or set pricing. Too often, not having an agreed-upon budget can nickel-and-dime your solution. We see customers who initially thought a project would cost $75,000 paying twice that to get it working properly. This can be due to myriad factors, but having the right partner, exploring the best solutions up front, and knowing what you need the software to do to make your company efficient and profitable can go a long way in controlling scope — and cost — creep.
  4. Find out what other software you’ll need to supplement the core solution. You’re usually not buying only the main ERP, CRM, or HRMS software, but will require additional middleware or third-party plug-ins to run the system properly. There are thousands of supplemental software programs used to help run the major platforms, and cost ranges are huge. It is extremely important to know this up front. We have seen clients duped into implementing less-expensive add-on software only to find later they actually need the more expensive option.

Know the full costs up front as much as possible. When you have this five-year plan and budget in hand, you can see the overall picture and better control your costs. So how then do you pay for all this to take advantage of the savings your plan provides and avoid cost overruns? There are various methods.

  1. Pay cash upfront. Cash is always king when it comes to lower total costs — but still recognize it may reduce much-needed working capital for your day-to-day operations. (Remember: Cash flow is why the monthly software-subscription model looks so attractive initially.)
  2. Use a line of credit. This will usually offer the best variable rate, but don’t forget that lines of credit are intended for short-term borrowing, not long-term assets like technology infrastructure components. Plus they may have additional fees, payment schedules, and other requirements and parameters when used.
  3. Get a fixed-term installment loan or payment agreement. Software can be financed along with professional services, maintenance, and most third-party software. Programs with low rates may let you take advantage of the prepaid discounts from software suppliers. These discounts can more-than-offset any finance charges and still give your company a substantial savings over the duration of your five-year plan. With a fixed term, you don’t need to worry about rising or variable interest rates, which makes your project budget far more realistic.

Secondhand Superiority: The Benefits Of Relying On Used Construction Equipment

Used Construction Equipment

Secondhand Superiority: The Benefits Of Relying On Used Construction Equipment

Used Construction Equipment

As the owner or manager of a construction company, high capital costs will be a serious obstacle to success throughout the life of your business. From trucks to cranes to rigs to scaffolding, construction equipment is highly expensive, and is only getting costlier as time goes by. This creates a challenge for small and new construction companies, which struggle to afford all the equipment necessary to do their work safely and effectively. Used construction equipment offers an array of advantages for cash-strapped companies, allowing you to:

Reduce Purchase Prices of Construction Equipment

The initial purchase price for used equipment is far lower than that for new equipment. Depending on what specifically you are buying, you may be able to get twice as much used gear as new for the same cost. Not only does this prevent you from tying up all your money in initial purchases, but it gives you more financial flexibility to make sure you have every piece of equipment you need ahead of time. You’re thus unlikely to ever begin a construction job unprepared.

Deflect Depreciation

As with most vehicles, new construction equipment loses a large portion of its value the moment you take it off the lot— even if you keep it in pristine condition! When you buy used equipment, that initial depreciation will already be out of the way long before you make the purchase. As long as you make sure what you’re buying hasn’t been seriously damaged, you’ll be able to get the same quality gear without having to deal with depreciation. You can then resell it for nearly what you paid for it if you ever have to raise money or realize you don’t need the equipment.

Avoid Production Losses

When you buy new equipment, it’s often necessary to wait for weeks or even months for the manufacturer to produce and ship it. Used equipment, on the other hand, is ready to go right away. This means you will not have to pause your operations for as long, saving you from the cost of lost productivity.

Lower Equipment Leasing Expenses

Even if you plan to lease your equipment rather than purchasing it, there is still a financial advantage to choosing used. Used equipment is less expensive to lease than new equipment. This decreases the chance that you’ll have trouble keeping up with all of your payments. It also frees up more of your credit for use on emergencies and other expenses.

For more information on purchasing or leasing used equipment and other tips for cash-strapped construction businesses, contact Dimension Funding today.