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 Construction, Real Estate and more.

Apply for a Creditstretch®
WHAT IS a creditstretch®?

Speed up your payment cycle

The creditstretch® is a business 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. Payments, credit rating, and credit insurance all included in the fee of 3.75% of the invoice amount (equal to APR of 19-22,5%)

Invoice issuer

No hidden fees.  No credit check. Immediate payment.


(equal to 3% of total invoice amount)

Calculate cost

Invoice receiver


Free for 60 days

Buy one month extra for 1%

Calculate cost
*For invoices between 50,000 DKK - 1,000,000 DKK
Enter the invoice amount (ex. VAT)
How many days of credit?
50.000 DKK
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Invoice amount
50,000.00 DKK
1,875.00 DKK
Price for invoice issuer
0.00 DKK
Price for invoice receiver
Due date

Happy Customers

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

stay in control

Construction & Real Estate

Many business in construction and real estate development experience payments only follow certain milestones, which can be delayed due to a third party or factors not in their control. This can lead to a sudden need of liquidity. Fellow Pay offers a 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, a Creditstretch® provides a fast and non-binding solution. No need to expand the credit at the bank or entering a long term agreement that you don't actually need if the short term need of liquidity is solved.

Frequently asked questions

Will a creditstretch® affect my credit rating?

No. Using our service only depends on the credit rating of invoice receiver. It will therefore not affect the credit rating of your company when you make a creditstretch®.

Is the process complicated?

No. The proces is easy and straightforward. You decide yourself if you want to use our service for one invoice only or more - the cost and process for each invoice is the same. All is online, no paperwork is required, no binding, long term contracts, no need for 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 you invoice together with registration numbers of the companies involved 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 at the same time. The buyer get up to 60 days extra to pay while the supplier gets paid now. The supplier will be paid for most of 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 good setup to service smaller and maybe less creditworthy SMEs. But we have. If the invoice receiver (your costumer) is creditworthy, we will finance them and give the invoice issuer (you) 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 not is creditworthy you can try applying for a credit stretch based on 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

Here is a little taste of what our customers have been saying about us

“It's faster than anything I've used before. The Fellow Pay team sorts everything out for you.”
Freddy Bach
Real Estate
“I now insist all of my subcontractors use Fellow Pay”
Per Jørgensen
"The process was easy, inexpensive and a lot quicker than my bank"
Thomas Cardell
Godthaab Boligselskab