Spread Payment Loans for Your Customers

Offer your customers flexible payment plans while you get paid upfront. Fee Funders handles everything from applications to repayments.

No cost to sign up, no obligation to use. Fee Funders simply becomes another payment option you can offer your customers.

Sound Familiar?

Common challenges that can affect business efficiency and growth.

Customer Hesitation

Customers may delay or decline higher-value purchases when asked to pay the full amount upfront.

Administrative Time

Managing payment follow-ups and outstanding invoices takes time away from your core business activities.

Cash Flow Timing

Waiting for payments on standard terms can affect when funds are available for day-to-day operations.

How It Works for Your Business

Getting started is simple. Here is the process.

Sign Up Free

Customer Applies

Your customer applies directly to Fee Funders through our simple online form.

Fast Approval

We assess the application and provide a decision, usually within hours.

You Get Paid

We pay you 100% of the invoice once the customer's first instalment clears.

We manage repayments and follow-ups directly with your customer.

Benefits for Your Business

Why businesses across New Zealand choose Fee Funders.

Get Paid Upfront

Receive payment for your invoice shortly after the customer's first instalment clears, improving cash flow without waiting on extended payment terms or chasing part payments.

Mitigated Credit Risk

We carry out upfront assessments and manage repayments to help reduce credit risk, at no cost to your business. If a customer becomes a hard defaulter, the outstanding principal remains payable to Fee Funders.

Attract More Customers

Offering payment plans makes higher-value services more accessible, helping customers say yes sooner.

Increase Sales

Customers are more likely to proceed when they can spread payments over time rather than paying everything upfront.

No Collections

We manage customer repayments and routine follow-ups on your behalf, so you are not chasing instalments or managing payment schedules.

Preserve Relationships

We handle payment administration directly with your customer, reducing awkward money conversations and helping maintain strong client relationships.

Loan Features

Transparent terms for you and your customers.

All loan fees and interest are paid by the customer. There is no cost for businesses to offer Fee Funders.

Loan Terms 3, 6, 9, or 12 months

Interest Rate (Personal) 2.33% monthly (28% p.a.)

Interest Rate (Business) 2.33% per instalment

Customer Setup Fee $240

Business Sign Up Cost Free

Ready to Get Started?

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