Unlock Bigger Orders With Better Terms
Start offering instalments with PaidTerms: flexible payment terms for New Zealand Businesses.
How it works
Offer instalment payments to your customers to increase AOV and win more deals.
Send your payment link
Customer chooses plan
- Reduces friction
- Cashflow friendly
- Easy payment
Get paid upfront
- Full invoice paid instantly
- Customer repays us over time
- 90% customer approval rate
Traditional Terms vs PaidTerms Capital
See how PaidTerms Capital compares to the old way of doing business in New Zealand.
When you get paid
20th of the month
Invoice management
Chasing invoices
Cashflow
Unpredictable cashflow
Customer experience
Customer friction
We pay you. Your customer pays us.
Unlock full invoice value on day one
PaidTerms Capital buys your invoice outright. The full amount lands in your account the moment the order is placed — we take on the repayment risk and collect from your customer in instalments.
Full payout
No waiting for customer payouts
Day one
Funds in your account
Zero risk
We carry the credit exposure
3–9 months
Customer repayment terms
Give Your B2B Buyers What They Need
Hear what happens when New Zealand businesses offer flexible payment terms with PaidTerms.
PaidTerms transformed how our buyers order. They now commit to full seasonal ranges rather than small trial orders and our average order value has gone up by over 30%.
Sales Director
Textiles & Apparel Manufacturer
Our stockists used to place cautious orders to protect their cash flow. Now they order the full range upfront and we get paid the same day. It's a win for both sides.
Founder
Skincare Manufacturer
Large office fit-outs were always a hard sell because of the upfront cost. PaidTerms removed that barrier entirely and we closed three deals in the first month alone.
General Manager
Office Furniture Supplier
We used to lose deals to competitors offering 60-day terms. With PaidTerms we can offer instalments and still get paid upfront. We're no longer at a disadvantage.
Owner
B2B Wholesaler
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Cash flow is everything in food manufacturing. PaidTerms means I'm not waiting until the 20th to see money. It's in our account the day the order is placed and that changes everything.
Operations Manager
Food & Beverage Manufacturer
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Customers always want to order less to manage cash flow. With PaidTerms they order in bulk, we get better margins, and everyone saves on freight. It's been a game changer for us.
Director
Packaging Manufacturer
Frequently asked questions
Everything you need to know about PaidTerms Capital.
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PaidTerms Capital allows you to get paid upfront for your invoices, while your customer pays over time in instalments.
We fund the invoice on your behalf, so you don't have to wait or carry the risk.
You send an invoice using PaidTerms. Your customer chooses to pay in instalments.
We pay you the full invoice amount upfront. Your customer pays us back over time.
You receive payment upfront, in full, once the invoice is approved.
No waiting. No follow-ups.
No. PaidTerms takes on the credit risk entirely.
Once you're paid, the responsibility shifts to us.
We are. You keep the upfront payment regardless.
We handle all collections and carry the risk from that point forward.
PaidTerms Pro helps you collect payments from customers over time.
PaidTerms Capital pays you upfront and manages the repayment on your behalf. Pro is cashflow over time — Capital is cash on day one.
No — it typically improves it.
Customers get flexible payment options, while you remove friction from the sale.
We assess customers in real time based on credit and risk criteria.
Only approved customers will be offered instalment options.
Yes — funding limits are based on your account, transaction history, and risk profile.
You can request increases as you grow.
