SaaS and Tech

Annual contracts, without the annual wait. Paid upfront, every time.

Two lets you offer annual contracts with monthly or quarterly payment flexibility. Land bigger enterprise deals without pricing out SMB buyers, and get paid the full contract value upfront while Two manages collections, risk, and compliance.

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✓Remove payment friction from your sales cycle✓Unlock larger contracts with buyer-centric flexibility✓Immediate full-value payouts for every annual contract

36+mo

flexible payment terms

The SaaS & tech challenge

The Annual Contract Dilemma.

Enterprises want annual commitments, but SMB buyers can't cut a check for the full contract value upfront. Cave to monthly billing to close the deal, and you give up lifetime value and cash flow.

01

The Upfront Payment Wall

Enterprise buyers want an annual commitment, but their finance team can't cut a check for the full contract value upfront. The deal stalls right when you're ready to close.

Paid upfront. Every contract.
02

The Monthly Trade-Off

Cave to monthly-only billing to win the deal, and you take on lower lifetime value, slower cash collection, and buyers who can walk away before you've recouped CAC.

Land bigger deals.
03

The Collections Drag

Chasing renewal invoices and usage overages pulls your finance team off building the business - and a missed payment can mean churn you never saw coming.

Two owns collections.
How Two Changes the Game

Win the Contract. Get Paid in Full. Let Your Buyer Spread the Cost.

Two credit-checks and approves your buyer instantly, so you can offer the annual contract with monthly flexibility that closes the deal - without waiting on your cash.

1
Offer Annual Contracts, Monthly Payments
Give enterprise buyers the monthly or quarterly cadence their budget cycle needs, without discounting your way into a monthly-only plan.
2
Paid Upfront, In Full
The moment the contract is signed, you receive the full annual contract value. Two carries the payment timeline from there.
3
Terms Up to 36 Months
Instalments flexes to fit deals of any size, from a single annual seat licence to a multi-year enterprise rollout.
4
Two Owns Collections and Risk
No more chasing renewal invoices or usage overages. Two manages billing, collections, and credit risk end-to-end.
5
Seamless Integration, No-Code or API
Go live fast with a no-code checkout, or integrate end-to-end via API into your existing billing and CRM stack.
Customer story
Built around their sales motion
"Two stood out because of their willingness to build the product and solution to exactly what we needed."
Zelt, an HR and IT management platform, needed a payments partner flexible enough to match how they actually sell to enterprise customers - not a rigid, one-size-fits-all package.
Daniel Ward, Head of Operations, Zelt
Visit zelt.app →Zelt logo

Frequently asked questions

How does B2B financing work for SaaS and software companies?
Two's Instalments product lets you offer annual contracts with monthly or quarterly payment flexibility. You're paid the full annual contract value upfront, while Two manages the buyer's payment schedule, collections, and credit risk.
Why do annual SaaS contracts stall at the payment stage?
Enterprise buyers want an annual commitment, but their finance team often can't cut a check for the full contract value upfront. Without a way to spread that cost, deals either stall or get discounted down to a lower-value monthly plan.
Do I have to give up annual contract value to offer monthly payments?
No. You still sign - and get paid for - the full annual contract. Two simply lets your buyer spread their payments monthly or quarterly, so you keep the higher-value commitment without the cash flow trade-off.
Who handles renewals, usage overages, and late payments?
Two does. Once a buyer is approved and the contract is signed, Two owns billing, collections, and the credit risk end-to-end, so your team isn't chasing invoices between renewals.
Can Two integrate with our existing billing and CRM stack?
Yes. You can go live fast with a no-code checkout, or integrate end-to-end via API into your existing billing, CRM, or subscription management tools - whichever fits your sales motion.

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