Every business faces the same challenge: you need supplies today, but paying upfront drains your cash reserves. PaidTerms lets you buy what your business needs now and pay in flexible instalments, without depleting working capital.
You've been there before. You need to stock up on inventory, order critical supplies, or upgrade equipment. You know it's the right business decision. The order will generate revenue, help you fulfill contracts, or keep operations running smoothly.
But there's a problem: paying the full invoice upfront means draining your business bank account. That cash could cover payroll, marketing, rent, or the dozen other expenses that keep your business running.
So you face an impossible choice:
Business growth isn't linear. Demand spikes. Opportunities appear. Contracts materialize. When these moments happen, you need the flexibility to act, not the constraint of "how much cash do we have in the bank right now?"
How many times have you placed an order and thought:
These compromises cost you money. Smaller orders mean higher per-unit costs. Frequent reorders waste time and increase shipping expenses. Running low on stock means lost sales when demand surges.
With PaidTerms, you're not limited by today's bank balance. You can:
The math is simple: when you can afford to buy what you actually need, you make better business decisions. You capture opportunities instead of watching them pass by.
Cash flow is the lifeblood of any business. One unexpected expense, one late-paying client, one emergency repair can throw everything off balance if your reserves are depleted.
When you pay supplier invoices in full immediately, you're not just spending money on inventory or supplies. You're also:
Many businesses turn to expensive alternatives like business overdrafts, credit cards, or invoice factoring—options that come with high interest rates, complex terms, and long-term financial stress.
PaidTerms offers a smarter solution. Instead of draining your account or resorting to expensive credit, you pay a small, transparent fee to spread the cost over time.
Here's what you get:
The best part? The cost is predictable and transparent. No hidden fees, no surprise charges, no complicated interest calculations. You know exactly what you're paying and when.
Here's the fundamental mismatch that hurts growing businesses: you pay for supplies upfront, but you get paid by your customers later. This timing gap strangles growth, especially for businesses with long sales cycles or seasonal demand.
Most businesses operate like this:
For 60 days, that $20,000 is locked up. You've paid out cash but haven't received revenue. If you're growing quickly and need to reorder, you're stuck waiting for customer payments to come in before you can buy more stock.
This creates a growth ceiling. You can only grow as fast as your cash flow cycle allows.
PaidTerms flips this equation. Instead of paying everything upfront and waiting for revenue, you can:
This isn't just about paying later. It's about strategic financial alignment. Your payment schedule should match your revenue cycle, not work against it. That's how fast-growing businesses manage cash flow without limiting their potential.
Using PaidTerms is simple. When your supplier sends you an invoice with a PaidTerms payment link, you can choose to pay in instalments instead of upfront.
Here's the process:
No lengthy applications. No complicated paperwork. No waiting weeks for approval. Just fast, flexible payment terms that let you run your business the way it should be run.
PaidTerms isn't just another payment option. It's a strategic tool that smart New Zealand businesses use to grow without cash flow constraints.
Instant approval – Get a decision in minutes, not days or weeks
Flexible terms – Choose 3, 6, or 9 months based on your needs
Transparent pricing – Know exactly what you'll pay with no hidden fees
No credit impact – Using PaidTerms doesn't affect your business credit lines
Built for B2B – Designed specifically for business invoices, not consumer purchases
Business credit cards charge high interest rates (often 15-25% annually) and can impact your available credit. PaidTerms offers transparent, affordable fees specifically for B2B invoices, with longer payment terms (3-9 months) and no impact on your existing credit facilities.
Any NZ business that buys from suppliers—retailers, hospitality businesses, construction companies, manufacturers, service businesses, and more. If you pay supplier invoices, PaidTerms can help you manage cash flow better.
Most approvals happen within minutes. We use modern technology to assess your business quickly without lengthy paperwork or manual reviews. You'll know whether you're approved before you finish your coffee.
You can pay off your balance early at any time with no penalties. We reward financial flexibility, not punish it.
Yes, your supplier needs to be a PaidTerms merchant. The good news? More NZ suppliers are joining PaidTerms every week. If your current supplier doesn't offer it yet, let them know you're interested—they might just sign up.
No. PaidTerms operates independently from your business credit lines. You can use PaidTerms while preserving your bank facilities for other needs.
Thousands of New Zealand businesses already use PaidTerms to buy what they need without depleting working capital. Join them and start making business decisions based on what's right for growth, not what's sitting in your bank account today.
The next time you receive a supplier invoice with PaidTerms, you'll have a choice: pay it all upfront like you always have, or spread it over time and keep your cash flow healthy.
The smarter choice is obvious. The only question is whether you'll take it.