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Unlock Bigger Orders With Better Terms

Start offering instalments with PaidTerms: B2B Buy Now Pay Later for New Zealand Businesses.

PaidTerms platform
PaidTerms Capital

How it works

Offer instalment payments to your customers to increase AOV and win more deals.

Create invoice
1

Send your payment link

Takes 60 seconds
Customer chooses instalments
2

Customer chooses plan

  • Reduces friction
  • Cashflow friendly
  • Easy payment
Pro Capital
Capital
3

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

When you get paid

Paid upfront

Get paid on day one

Invoice management

Chasing invoices

Invoice management

No chasing invoices

We handle collections

Cashflow

Unpredictable cashflow

Cashflow

Predictable upfront payment

See how it works

Customer experience

Customer friction

Customer experience

Consumer-like B2B experience

Apply for your business

We pay you. Your customer pays us.

PaidTerms Capital
PaidTerms Capital

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

Customer Stories

Give Your B2B Buyers What They Need

Hear what happens when New Zealand businesses offer flexible payment terms with PaidTerms.

Frequently asked questions

Everything you need to know about PaidTerms Capital.

What is PaidTerms Capital?

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.

How does it work?

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.

When do I get paid?

You receive payment upfront, in full, once the invoice is approved.

No waiting. No follow-ups.

Do I take on any credit risk?

No. PaidTerms takes on the credit risk entirely.

Once you're paid, the responsibility shifts to us.

Who is responsible if the customer doesn't pay?

We are. You keep the upfront payment regardless.

We handle all collections and carry the risk from that point forward.

How does this differ from PaidTerms Pro?

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.

Will this affect my relationship with customers?

No — it typically improves it.

Customers get flexible payment options, while you remove friction from the sale.

What kind of customers are eligible?

We assess customers in real time based on credit and risk criteria.

Only approved customers will be offered instalment options.

Is there a limit to how much I can fund?

Yes — funding limits are based on your account, transaction history, and risk profile.

You can request increases as you grow.

Built In New Zealand 🇳🇿

Turn Payment Terms Into Your Competitive Edge

Offer instalments to your customers and make it easier for them to say yes to larger purchases.