Build Now, Pay Over Time — Financing | Punch
PUNCH FINANCING

Build now. Pay as it pays off.

Banks wouldn't loan on software projects — so we built the loan product ourselves.

FIXED-BID PROJECTS $10,000+ 20% DOWN UP TO 3 YEARS
20%
DOWN PAYMENT AT KICKOFF
80%
AMORTIZED · COMPETITIVE RATES
3 yrs
MAXIMUM TERM

What it looks like on a $60,000 build.

ILLUSTRATIVE · BEFORE INTEREST
$12,000 DOWN
$48,000 · AMORTIZED OVER UP TO 36 MONTHS
KICKOFF≈ $1,333 / MONTH + INTERESTMONTH 36

Your project ships on the same schedule it would have anyway — the cash leaves your account on a schedule that matches the value coming back in.

"Across thousands of proposals, we've realized the ability to amortize the cost of a project over months or even years helps our clients conserve valuable cash flow — to invest in their future today."

VERDI ERGUN · CHIEF EXECUTIVE OFFICER

"We asked the banks to provide a loan product for this and were told it's not something they do. So we decided to do it ourselves."

IBRAHIM · HEAD OF CUSTOMER RELATIONS
WHAT IT FUNDS · FROM THE DECK
EXAMPLE 01

Website redesign.

Brand, design, and engineering — shipped whole, paid monthly.

EXAMPLE 02

E-commerce.

The store starts selling while you're still paying for it.

EXAMPLE 03

Enterprise-grade web app.

Multi-year systems financed on a multi-year schedule.

AI & ML ENGAGEMENTS QUALIFY THE SAME WAY — ANY FIXED-BID PROJECT OVER $10,000

HOW TO GET STARTED
01

Express interest.

Tell us about the project — scope, timing, and that you'd like financing.

02

We onboard your project.

Fixed bid, payment schedule, and terms agreed before kickoff — no surprises.

03

We build, together.

Your 20% kicks it off; the rest amortizes while the work earns its keep.

APPLY FOR FINANCING

Tell us about the project. We'll structure the rest.

INCLUDE IN YOUR NOTE · Company and what the project is (site, app, AI/ML build) · Rough budget and target timeline · The cash-flow shape that would make this easy to say yes to
Apply by email Or use the two-minute intake →
REVIEWED BY THE TEAM, NOT A LENDER PORTAL · REPLY WITHIN 2 BUSINESS DAYS
Don't let this year's budget decide next year's company.
Express interest
OR JUST EMAIL US — START@PUNCH.COOL