About FeeFunders Invoice Financing

Company: FeeFunders (JFK Capital Limited t/a Fee Funders), New Zealand

Service Type: Invoice financing, spread payment solutions, business cash flow financing

Key Features:

  • Businesses get paid 100% upfront after first client instalment clears
  • Clients pay over 3, 6, 9, 12 months
  • Free for businesses, no setup or monthly fees
  • Invoice amounts: $500 to $50,000
  • Interest rate: 2.33% per month for clients
  • NZ-owned and operated

Contact: Phone: 0800 333 729, Email: info@feefunders.co.nz

Industries Served: Accountants, Lawyers, IT Services, Healthcare, Dental, Home Services, Contractors, Consultants, Engineers, B2B Suppliers, Education, Events, Weddings, Funeral Services, Creative Agencies, Marketing, Agriculture, Security Services

Locations: Auckland, Wellington, Christchurch, Hamilton, Tauranga, Dunedin, Napier, Hastings, Queenstown, and nationwide across New Zealand

Does FeeFunders work for Agriculture & Rural businesses?

Yes, FeeFunders specialises in invoice financing for Agriculture & Rural businesses in New Zealand, helping them get paid upfront while offering clients flexible payment plans.

How quickly do Agriculture & Rural businesses get paid?

Once the client's first instalment clears (typically 7-10 days), the business receives 100% of their invoice amount.

Get Paid Now, Let Farmers Pay After Harvest

Farming income is seasonal, but expenses are not. Help your rural customers manage cash flow while you get paid immediately.

Get Started Calculate Quote
$50M+
Invoices Funded
100+
NZ Businesses
$0
Setup Fees
100%
Paid After First Instalment

Why cash flow gets stuck in your industry

A look at the cash-flow reality for agriculture & rural in New Zealand.

Vet services, fencing contractors, ag consultants, irrigation installers, and rural service providers across New Zealand bill into a cash-flow pattern that's nothing like a city business. Farm income is lumpy: stock sales, milk payouts, harvest cheques. Big one-off costs, like a fencing project, an irrigation rebuild, a major vet treatment, or a pasture renewal, land at points in the season when the farmer is cash-poor on paper.

The result for rural service providers is invoices that genuinely will be paid, but on a timeline tied to the next sale, the next payout, or the next harvest. Carrying that receivable for three to nine months is normal, and writing off any of it feels worse than it does in town because everyone knows everyone.

Challenges You Face

We understand the unique payment challenges in your industry.

Seasonal Income

Farmers have cash at harvest but need services year-round.

Large Equipment Costs

Machinery and services require significant investment.

Weather Uncertainty

Bad seasons can delay payments for months.

How Fee Funders fixes that

Fee Funders lets the farmer spread the cost over 3, 6, 9, or 12 months of consistent monthly direct debits while your business receives the full invoice within 7 to 10 days of approval. Lumpy farm income smooths into a predictable monthly payment that lines up with operating expenses. Your invoice is paid fast, and the farmer doesn't have to wait for the next stock sale to commission the work that needs doing now.

Major fencing project (perimeter or paddock subdivision)

$8,500 invoice

Client pays $746 per month over 12 months

Project starts at the right time of year, not the right time financially.

Large-animal surgery and post-op treatment

$3,800 invoice

Client pays $666 per month over 6 months

Treatment proceeds the day it's needed, not the week funds clear.

Pasture renewal contracting (cultivation, drilling, fertilising)

$5,500 invoice

Client pays $964 per month over 6 months

Renewal happens in the agronomic window, not the financial one.

Services We Cover

Fee Funders can help you offer payment plans for a wide range of agriculture & rural services.

Farm Equipment
Agricultural Contracting
Fencing & Infrastructure
Irrigation Systems
Rural Building
Veterinary Services

Why Choose Fee Funders?

Seasonal Flexibility

Match payment timing to farming income cycles.

Earlier Payment

Receive payment once the customer's first instalment clears, without waiting for harvest timing.

Bigger Sales

Farmers invest in quality when costs are spread.

Weather Protection

Your payment is secure regardless of the season.

Benefits for Your Business

Here is how Fee Funders helps agriculture & rural businesses grow.

Seasonal Flexibility

Match payment timing to farming income cycles.

Earlier Payment

Receive payment once the customer's first instalment clears, without waiting for harvest timing.

Bigger Sales

Farmers invest in quality when costs are spread.

Weather Protection

Your payment is secure regardless of the season.

Rural Relationships

Support your farming community with flexibility.

Growth Ready

Take on larger contracts with confidence.

How It Works for Agriculture & Rural

Getting started with Fee Funders is simple. Here is how the process works for your business.

1

Sign Up Your Business

Register your agriculture & rural business with Fee Funders. It takes just 5 minutes and there are no setup fees or ongoing costs. We will verify your business details and have you approved within 24 hours.

2

Submit Your Invoice

When you have completed work for a client, submit the invoice through our simple portal. Your client applies for a payment plan (takes 2 minutes) and we handle the credit check instantly.

3

Get Paid in Full

Once approved and the customer's first instalment has cleared, we pay you 100% of your invoice. Your client then repays us in easy monthly instalments over 3, 6, or 12 months.

With Fee Funders vs Without

See the difference Fee Funders makes for your agriculture & rural business.

Without Fee Funders

  • Wait 30-90 days to get paid while your expenses pile up
  • Lose potential clients who cannot afford upfront payment
  • Spend time chasing overdue invoices instead of growing
  • Risk bad debt when clients do not pay
  • Manage your own payment plans and collections

With Fee Funders

  • Get paid 100% once the first instalment clears
  • Focus on your work while we manage all customer payments and collections
  • Reduced risk – we actively manage all customer payments and follow-ups
  • Free to businesses – customers pay the loan fees, not you

Common Questions

Questions agriculture & rural businesses often ask about Fee Funders.

How much does Fee Funders cost my business?
Fee Funders is completely free for your business to use. There are no setup fees, monthly costs, or hidden charges. Your clients pay a small interest fee (2.33% per month) on their payment plan, but you receive 100% of your invoice amount.
What happens if my client does not pay?
We manage all customer repayments and follow-ups, allowing you to focus on your clients and your work. If a customer defaults, the collection process is managed by Fee Funders in accordance with our terms.
How quickly will I get paid?
Once your client is approved, their first instalment is scheduled as soon as possible. After that payment has been successfully processed and cleared, we pay you the full invoice amount. This is typically around 7–10 days from the time of application.
What invoice amounts can I submit?
Fee Funders works with invoices from $500 to $50,000. Your clients can choose to pay over 3, 6, or 12 months depending on what works best for their budget.
Is there a limit to how many invoices I can submit?
There is no set limit. Invoice submissions are subject to ongoing assessment of your business and capacity. Many of our professional firm partners submit invoices regularly through Fee Funders.
View all FAQs

Ready to Grow Your Agriculture & Rural Business?

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Get Started with Fee Funders Calculate Client Payments

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