Beyond factoring

take financial control

Get paid the same day you issue an invoice

Get cash today without going into a bank or revealing your financial information. We help growing B2B SMEs in manufacturing, export, construction, real estate and more.

✓ Invoice paid today ✓ 90 days payment terms✓ Apply in few minutes

Get paid now

Speed up your payment cycle

A tool that gives growth companies fast access to money they need from unpaid invoices.

Immediate payment

Get paid the same day you issue an invoice.


On as many (or as few) invoices as you like on a pay-as-you-go basis.

Fair & simple

You don’t need to inform the bank or any other financial partners.

We give your customers 60 extra days to pay their invoice

How our pricing works

No hidden costs.  No unexpected additional fees.  

60 days


No hidden fees.  Immediate payment.

Calculate cost

90 days


No hidden fees.  Immediate payment.

Calculate cost

APR of 27-34,5%

*For invoices starting at 50,000 DKK or 7,000 EUR
Enter the invoice amount
What shall the payment terms be?
50.000 DKK
Who is paying?
Thank you! Your submission has been received!
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100,000.00 DKK
Invoice amount
5,750.00 DKK
Price for invoice issuer
0.00 DKK
Price for invoice receiver
Due date

Frequently asked questions

Will it affect my credit rating?

No. Using our service only depends on the credit rating of the invoice receiver. It will therefore not affect the credit rating of your company when you get financing.

Is the process complicated?

No. The process is easy and straightforward. You decide for yourself if you want to use our service for one invoice only or more - the cost and process for each invoice are the same. It’s all online, no paperwork is required, no binding, long term contracts, no need for a special IT set-up and no surety is required. There is no financial interrogation involved and you do not have to present your accounts. Just upload your invoice together with a few other details and we will give you a quick answer.

Will this harm the relationship with my customers/suppliers?

No. Unlike other finance providers, Fellow Pay benefits the buyer and seller simultaneously. The buyer gets up to 60 days extra to pay while the supplier gets paid now. The supplier will be paid for the invoice, solving the immediate cash need for the both of you in one go. That is a clear win/win.

I have tried something similar and it did not work

Most finance providers do not have a good setup to service smaller and maybe less creditworthy SMEs. But we have. If the invoice receiver (your customer) is creditworthy, we will provide the financing to you and give them 60 days to pay.

What happens if my customer/supplier is not creditworthy?

We only credit check the invoice receiver. We do not look at the invoice issuer. If the invoice receiver is not creditworthy you can try applying with an invoice from another of your customers.

Happy customers

Customers are making the switch to the credit stretch every day. Here's a small selection of what they're saying about us.

“It's faster than anything else I've used, and they take care of it all for you”
Freddy Bach
Real Estate
“I now insist all of my subcontractors use the credit stretch”
Per Jørgensen
“I now insist all of my subcontractors use the credit stretch”
Per Jørgensen

Happy Customers

We serve a wide range of companies in many different industries.

stay in control

Construction & Real Estate

Many businesses in construction and real estate development experience payments only following certain milestones, which can be delayed due to a third party or factors, not in their control. This can lead to a sudden need for liquidity. Fellow Pay offers quick and effective access to liquidity without the usual slow application processes and financial interrogation.

SOlving the actual need

Production & Manufacturing

When in need of liquidity to acquire raw materials or a new production facility, Fellow Pay provides a fast and non-binding solution. There is no need to expand the credit at the bank or enter a long-term agreement that you don't actually need if the short-term need for liquidity is solved.

Fellow Pay in the media

Our Partners

We work together with these great companies!