Pay your supplier invoices in instalments
Apply for a PaidTerms credit limit and take it to your next invoice — approved in minutes, and we'll reach out to your supplier on your behalf.
Preserve cash flow
Spread large invoices across months instead of paying the full amount upfront
Approved same day
Apply in 2 minutes and receive a credit decision within hours, not days
We onboard your supplier
Not on PaidTerms yet? We reach out to them — completely free for both sides
The process
Three steps to payment terms
Apply in 2 minutes
Fill out a short form with your business details. We run a soft credit check — no impact on your credit score.
Get your credit limit
Same-day approval. Receive a PaidTerms credit limit you can use across participating NZ suppliers.
Take it to your supplier
Share your approval with your supplier. If they're not on PaidTerms yet, we'll onboard them at no cost.
Ready to stop paying upfront?
Apply for a PaidTerms business credit limit. No setup fees. No lock-in.
Soft credit check only
Applying won't affect your business credit score.
Same-day decisions
Most applications are approved within a few hours.
We'll onboard your supplier
Not on PaidTerms? We'll reach out to them on your behalf.
Built for NZ businesses
GST-friendly, NZBN-verified, and locally supported.
Business Application
Takes about 2 minutes · No credit score impact
Common questions
Will applying affect my credit score?
No. We run a soft credit inquiry only — not visible to other lenders and has zero impact on your score.
How quickly will I hear back?
Most applications receive a decision same day. Occasionally we may need extra details, adding one business day.
What if my supplier isn't on PaidTerms?
Include their name in your application — we'll reach out to onboard them. Free for suppliers, under 10 minutes to set up.
What credit limit can I get?
Limits range from $10,000 to $500,000+ based on business size and invoice volume. You can request an increase anytime.
Are there fees for customers?
A small instalment fee applies per repayment term — shown upfront before you commit. No hidden charges, ever.
Which industries are supported?
We specialise in manufacturing, construction, and wholesale, but support most B2B industries. Apply and we'll confirm.
