Microsoft is offering zero-percent, 36 month financing for new customers of its Dynamics ERP and CRM applications.
The deal, through Microsoft Financing, is for purchases costing between $20,000 (£13,500) and $1 million (£674,000). It applies to licensing and "first-year enhancement costs" on Dynamics NAV, AX, GP, and SL, as well as Dynamics CRM.
Microsoft is also offering standard financing rates on other costs, such as partner services and customisation work.
The zero-percent promotion is available in the UK, US, Australia, Belgium, Canada, France, Germany, Italy, Netherlands, New Zealand, Spain and Switzerland.
While Microsoft says the offer is time limited, no end date has been set. The finance package does not apply to Dynamics CRM Online, which is sold by subscription.
But one industry observer questioned whether Microsoft's move will have a major impact on sales.
"I'd be stunned if that really influences anyone," AMR Research analyst Bruce Richardson. "I think it gets your attention and maybe you take a look at [Dynamics] if you're thinking about that versus Salesforce."
Price is only one part of choosing a software package, according to Richardson. Customers also must weigh things like the amount of training users will need, or the logistics of importing legacy data to the new system, he said.
Richardson compared the Microsoft offer to the zero-percent financing deals frequently offered by the likes of General Motors. It's not as if customers base their decision solely on the fact they'll save money, as opposed to the car or truck's features, he said. "You have to really want that GM vehicle."