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 Home Services & Contractors businesses?

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

How quickly do Home Services & Contractors businesses get paid?

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

Close More Jobs, Get Paid Faster

Allow clients to spread the cost of home services and contracting work over monthly instalments, while you receive payment upfront.

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 home services & contractors in New Zealand.

Renovations, heat-pump installs, roofing repairs, and trade projects in New Zealand land on homeowners as $3,000 to $50,000 quotes, often after a much smaller initial estimate has crept up with material and scope additions. Most homeowners weren't budgeting for the full number, and very few have the cash to settle the final invoice on the day the job finishes.

For the trade, the timing is brutal. Materials and sub-contractors get paid before the job is done. Progress billings stretch out as the homeowner juggles their own bills. Final-payment delays are normal, and the operator who quoted the job ends up funding it for 60 to 90 days while chasing a balance that's already been spent.

Challenges You Face

We understand the unique payment challenges in your industry.

Quote Rejection

Homeowners often reject quotes because of upfront costs.

Payment Chasing

Final payments often require multiple follow-ups.

Seasonal Cash Flow

Income fluctuates with seasons and project timing.

How Fee Funders fixes that

Fee Funders lets the homeowner spread the project cost over 3, 6, 9, or 12 months while you get paid in full within 7 to 10 days of approval. Materials are covered, subbies are paid, and the awkward 'when can you settle?' phone call disappears. You can quote the full job confidently, knowing the cash will land in your account on a known timeline.

Heat-pump install (whole-home ducted system)

$4,800 invoice

Client pays $443 per month over 12 months

Install proceeds the week the plan is approved.

Bathroom renovation (full strip-out and refit)

$18,000 invoice

Client pays $1,576 per month over 12 months

Materials, subbies, and final clean are all paid before the next job starts.

Emergency plumbing repair (after-hours, replacement work)

$2,400 invoice

Client pays $843 per month over 3 months

Work happens immediately without an emergency-cash conversation.

Services We Cover

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

Renovations
Roofing
Plumbing
Electrical
Landscaping
Building

Why Choose Fee Funders?

Win More Jobs

Payment plans help you beat competitors.

Larger Projects

Customers can afford bigger improvements.

Upfront Payment

Get paid before you finish the job.

No Bad Debt

We handle collections if needed.

Benefits for Your Business

Here is how Fee Funders helps home services & contractors businesses grow.

Win More Jobs

Payment plans help you beat competitors.

Larger Projects

Customers can afford bigger improvements.

Upfront Payment

Get paid before you finish the job.

No Bad Debt

We handle collections if needed.

Steady Income

Smooth out seasonal fluctuations.

Professional Image

Offering finance sets you apart.

How It Works for Home Services & Contractors

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

1

Sign Up Your Business

Register your home services & contractors 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 home services & contractors 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 home services & contractors 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 Home Services & Contractors Business?

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

Get Started with Fee Funders Calculate Client Payments

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