A quote generated by CPQ software can price out configuration, delivery, and installation down to the dollar, but the monthly payment a buyer would pay if they financed it usually isn’t anywhere on the page.

Dimension Funding has worked with equipment and software vendors for more than four decades on getting financing into that sales conversation earlier, rather than leaving it for a follow-up call after the quote already went out.

The stakes here are larger than one sales team’s habits. The Configure Price and Quote market was valued at $3.63 billion in 2026 and is projected to reach $7.55 billion by 2031, according to Mordor Intelligence, as more vendors move quoting off spreadsheets and onto structured platforms that compress quote turnaround from days to mere minutes. That monthly number is the one thing the buyer still has to go find on their own. 

Where Financing Fits Into a CPQ Workflow Today

A CPQ platform prices the deal. It doesn’t answer what that price costs on a monthly basis if the buyer finances it instead of paying the total upfront. 

The Equipment Leasing & Finance Foundation’s Horizon Report found the top reasons end-users chose to finance equipment and software acquisitions were:

• Optimizing cash flow, cited by 62% of end-users
• Protecting against equipment obsolescence, cited by 55%
• Capturing tax advantages, cited by 51%

A quote that only shows a lump sum addresses none of those things directly, which pushes the buyer toward a separate conversation instead of a decision they can make from the document already in front of them.

What Dimension Funding Provides at the Quote Stage

Dimension Funding doesn’t plug into a CPQ platform as a native module the way a tax calculation or shipping rate engine might. What it provides instead sits alongside a vendor’s existing quoting system rather than inside it:

• A payment calculator that turns a purchase price and term into an estimated monthly payment
• A financing widget a vendor can add to its own website so a buyer can start an application independently of the quote itself
• A co-branded application and landing page carrying the vendor’s own product line

Configuration, pricing, and discount approval stay entirely inside whatever CPQ platform a vendor already runs. The credit decision, funding, and signature process stay with Dimension Funding. Nothing about that split requires the two systems to exchange data directly, since the only thing that actually needs to move from one to the other is a monthly number a rep can drop into a quote line.

Building the Calculator Into the Quote Template

Adding the monthly figure to a quote isn’t something a rep does from memory deal by deal. Dimension Funding works with a vendor’s account manager to build a reusable calculator link tied to that vendor’s typical deal sizes and terms, so a rep pulls a number from a preset tool rather than estimating one.

For vendors selling multiple product lines at different price points, that setup can be scoped by line rather than built once for the whole catalog, an equipment line and a software line can carry separate calculator links reflecting each one’s own typical deal size and term. Once it’s built, the link sits inside the vendor’s own quote template permanently, so a rep isn’t requesting a fresh estimate from Dimension Funding on every quote.

Equipment and Software on the Same Quote

Equipment and software often show up on the same quote. Application-only financing, meaning no financial statements required, tops out at $250,000 for equipment alone, but that limit jumps to $500,000 once software is part of the deal. A configuration that bundles both can qualify for the higher threshold even when the equipment portion by itself would have exceeded the lower one. 

Software lines carry an additional wrinkle equipment lines don’t: renewals. A subscription quoted through CPQ for a multi-year term finances against the full contract value, not a single year’s invoice, so the monthly figure a rep pulls for a three-year SaaS deployment reflects that whole term rather than one annual renewal amount. On a three-year SaaS deployment, a one-year number and the actual monthly figure can be far enough apart to change how the buyer reads the deal. Getting that right is part of what software financing has to account for on a multi-year quote. 

Zero Percent as a Quote-Level Lever

A zero percent offer works best when it’s visible at the exact moment the buyer is comparing numbers, which is the quote itself rather than a follow-up email. The same way a calculator link gets built into a vendor’s quote template, a zero percent promotion can be set up as a toggle on that same template rather than something a rep has to call Dimension Funding to arrange on each individual deal.

Vendors running the promotion selectively benefit most from this. A software line facing a competitive renewal decision might carry the toggle, while a routine equipment replacement on the same quote template doesn’t. Once it’s built into the template by line, a rep switches it on or off at the configuration step itself instead of managing it as a separate conversation outside the quote.

Where CPQ Meets the Buyer’s Decision

CPQ platforms rarely operate in isolation. Most connect back to a CRM or ERP system to pull customer records and push closed deals into billing, part of a broader enterprise software layer that includes business analytics and CRM publishing—a category growing at a 14.3% compound annual rate between 2021 and 2026, according to IBISWorld, dominated by the same handful of platforms that also lead the CPQ market itself.

None of that infrastructure is where a buyer makes the call to move forward. That happens on the quote, in the moment a price becomes a number the buyer can compare against a budget line. Whatever system produces the document, the monthly figure belongs on it rather than in a system the buyer never sees. A quote that gets forwarded internally for approval should carry that number with it.

Getting Financing Into the Next Quote

None of this requires a vendor to rebuild a CPQ template from scratch or wait on a formal integration that doesn’t exist yet, so it’s worth talking through directly: Contact Dimension Funding to see how the payment calculator and financing widget fit into a specific CPQ setup or product line.

Adding the monthly number is a habit change for a sales team more than a technical project, and the tools already exist to make pulling that figure fast enough to do on every quote instead of just the ones where a buyer asks first.

Frequently Asked Questions

Does adding a financing line to a CPQ-generated quote require changing the platform’s approval workflow?

No. Pricing and discount approval logic stay entirely inside the CPQ platform. The financing figure is a reference number pulled in alongside the quote rather than something that touches the platform’s own approval or discounting rules.

If a CPQ template already shows a total contract value, does the monthly financed number need to be recalculated every time the configuration changes?

Yes. The payment calculator reflects whatever total and term are entered, so a configuration change that alters the price means pulling a fresh number rather than leaving an earlier estimate attached to a revised quote.

Can a reseller running its own separate CPQ instance use the same payment calculator as the manufacturer’s direct sales team?

Yes. The calculator isn’t tied to a specific CPQ platform or account, so a reseller on entirely different quoting software can point buyers to the same calculator and application without any manufacturer-side setup.

Does a renewal on an existing software subscription get quoted the same way as a brand-new deployment?

Yes. A renewal runs through the same calculator and the same underwriting sequence as a new deployment. The difference is timing, since a renewal needs to be quoted and signed before the existing contract lapses, not the mechanics of how the monthly figure gets calculated.

Does the CPQ platform need to store or transmit a buyer’s financial information for a financing option to appear on the quote?

No. The quote only needs to reference the estimated monthly payment. The buyer’s actual financial details are submitted separately during the application step, so nothing sensitive passes through the CPQ platform itself.

If a deal quoted through CPQ changes in scope, does the financing estimate need a new application?

Only if the change happens after an application was already submitted. A configuration change made while a quote is still in draft just means pulling a new estimate before sending it, not restarting a formal application.

Is there a cost to a vendor for using the payment calculator or financing widget in their own quoting materials?

No. Both are part of the standard vendor partner program at no separate cost, distinct from a promotional structure like zero percent financing, where the vendor covers that specific promotion rather than the tools themselves carrying a charge.