How does FeeFunders work?

FeeFunders works in 3 simple steps: 1) Businesses register for free (takes 5 minutes). 2) When they complete work, they submit the invoice through the portal. The client applies for a payment plan and we do an instant credit check. 3) Once approved and the client's first instalment clears, we pay the business 100% of the invoice amount. The client then repays us over 3, 6, 9, 12 months. FeeFunders manages all collections and follow-ups.

Is FeeFunders free for businesses?

Yes, FeeFunders is completely free for businesses. There are no setup fees, no monthly costs, and no hidden charges. Businesses receive 100% of their invoice amount. The clients who choose to spread their payments pay the interest fees (2.33% per month) and loan setup fee ($240), not the business.

How quickly do businesses get paid?

Businesses get paid 100% of their invoice after the client's first instalment has been successfully processed and cleared. This typically takes 7-10 days from the time of application. This is much faster than waiting 30-90 days for clients to pay invoices in full.

What industries does FeeFunders work with?

FeeFunders works with service-based businesses across New Zealand including: Accountants, Lawyers, IT & Software Providers, Healthcare & Dental, Home Services & Contractors, Consultants & Engineers, B2B Suppliers, Education & Training, Event & Wedding Services, Funeral Services, Creative & Marketing Agencies, Agriculture & Rural Services, and Security Services.

What are the loan amounts and terms?

FeeFunders works with invoices from $500 to $50,000 NZD. Clients can choose to pay over 3, 6, 9, 12 months, depending on what works best for their budget. The interest rate is 2.33% per month (27.96% per annum) for personal loans.

What happens if a client doesn't pay?

FeeFunders manages all customer repayments, collections, and follow-ups. Once the business has been paid their invoice amount, the ongoing repayment management sits with FeeFunders. If a customer defaults, FeeFunders pursues recovery of the outstanding amount. This means businesses can focus on their work instead of chasing payments.

Where does FeeFunders operate?

FeeFunders operates throughout all of New Zealand, including Auckland, Wellington, Christchurch, Hamilton, Tauranga, Dunedin, Napier, Hastings, Queenstown, and all other regions. It is a New Zealand-owned and operated service.

How do I sign up my business to FeeFunders?

Signing up is simple and free: Go to feefunders.co.nz/additional-resources/business-sign-up, complete the online form (takes about 5 minutes), and submit your business details. FeeFunders will verify your information and approve you within 24 hours. There's no obligation to use the service after signing up.

What is the difference between FeeFunders and traditional business loans?

Unlike traditional business loans where the business borrows money and pays interest, FeeFunders is invoice financing where the business gets paid 100% upfront for completed work. The business pays nothing - their client pays the interest fees. Traditional loans require the business to take on debt and make repayments. With FeeFunders, there's no debt for the business, no setup fees, and no monthly costs.

Can I use FeeFunders for recurring clients?

Yes, there is no set limit on how many invoices you can submit through FeeFunders. Invoice submissions are subject to ongoing assessment of your business and capacity. Many professional firms submit invoices regularly through FeeFunders for different clients.

Businesses

Get Paid Today, Let Clients Pay Later

We pay your invoices upfront, in full. Your clients repay us in easy monthly instalments over 3, 6, or up to 12 months. We manage the client repayment process, including instalments and follow-up, so your firm is paid upfront with minimal ongoing administration.

Get Started with Fee Funders

Free to set up. No obligation to proceed.

Clients

Need to pay an invoice in instalments? Apply online in minutes.

Apply Now Calculate Instalments

Experience

NZ-owned and operated, with over 10 years' experience providing spread payment solutions to New Zealand professional service businesses.

Efficiency

Clear processes and efficient approvals, designed to minimise administrative time and effort.

Trust

Long-standing relationships with New Zealand businesses built on transparency, consistency, and dependable service.

No Upfront Cost

Free to set up and use. Fees are paid by the client choosing to spread their payments.

Two Ways We Help Your Business

Fee Funders creates a win-win outcome: your firm is paid upfront, clients can manage costs through monthly instalments, and we handle the repayment administration.

Offer Flexible Client Payments

Support Client Decisions with Flexible Payment Options

Give clients the option to spread costs over 3, 6, 9, or 12 months. This can make engaging your services more accessible and reduce hesitation around larger invoices.

Learn more about client instalments

Enhance Your Cash Flow

Get Paid Upfront and Improve Cash Flow

Receive payment upfront once your client's first instalment has cleared. Fee Funders then manages the remaining repayment schedule directly with your client.

Learn more about upfront payment

Industries We Support

Tailored payment solutions for New Zealand professional service firms, businesses, and individual clients.

Explore all industries

Accountants

Receive payment upfront for accounting and advisory fees while offering clients manageable monthly i...

Lawyers

Receive payment upfront for legal fees while offering clients manageable monthly instalments. Ideal ...

IT & Software Providers

Support clients with flexible payment options for technology projects and services, while your busin...

Consultants & Engineers

Offer clients the ability to spread consulting and engineering fees over time, while your firm recei...

Healthcare & Dental

Give patients the option to spread healthcare and dental costs over time, while your practice receiv...

Home Services & Contractors

Allow clients to spread the cost of home services and contracting work over monthly instalments, whi...

Fee Funders supports both individual clients and businesses, with consumer and commercial payment options available.

How Fee Funders Works

Fee Funders provides a straightforward payment solution. We pay your firm upfront once your client's first instalment clears, and then manage the remaining instalments directly with your client.

Firms Are Paid Promptly Once the First Instalment Clears

Once your client's first instalment has been successfully received, Fee Funders pays the balance of your invoice. You receive your payment upfront, with no need to wait for the full repayment term.

Clients Repay Over Time

Clients spread payments over 3, 6, 9, or 12 months. Fee Funders manages the instalment collection and follow-up, so your firm has minimal ongoing involvement.

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Why Professional Firms Choose Fee Funders

Trusted by professional service businesses across New Zealand.

Proven Experience

Over 10 years' experience supporting professional service firms with spread payment solutions.

Reliable Cash Flow

Receive payment upfront once your client's first instalment clears, improving cash flow predictability.

Professional Support

A dedicated team available to assist with enquiries and provide ongoing support for your firm.

Flexible for Clients

Clients can spread payments over 3, 6, 9, or 12 months, making your services more accessible.

Reduced Administration

We manage client repayments and follow-up, so your team can focus on delivering services.

Scalable and Consistent

A solution that grows with your firm, providing consistent processes regardless of invoice volume.

Ready to Offer Flexible Payments
and Improve Cash Flow?

Fee Funders helps professional service firms receive payment upfront while offering clients the option to spread costs over time. Free to set up with no obligation.

Get Started with Fee Funders Calculate Client Payments

Free to set up. No ongoing fees or obligation to proceed.

About FeeFunders Invoice Financing

What is FeeFunders?