when you're selling

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 Green Energy, Construction, Real Estate, Logistics, and more.

WHAT IS a credit stretch?

Speed up your payment cycle.

The credit stretch 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.

Simple process

Really easy finance

You’ll get an immediate answer upon application. Just upload an invoice. No phone call. No going into a bank. No financial interrogation. And it won’t affect your credit rating.


Get paid immediately

We only take 3% of the invoice for covering your risk of not getting paid by your customer. 

We pay you 80% - 3% = 77% immediately.
Your customer pays you the remaining 20% on normal terms.

They pay us back after 60 or 90 days.

Now, if there’s a guarantee issue, your customer can only point out issues with 20% of the work you’ve delivered.

How our pricing works

No hidden costs.  No unexpected additional fees. Payments, credit rating, and credit insurance all included in the price. APR / ÅOP 19-22,5%

Invoice issuer

No hidden fees.  No credit check. Immediate payment.


(Equal to 3% of total invoice amount)

Calculate price

Invoice receiver


Free for 60 days

Buy one month extra for 1%

Calculate price
*For invoices between 50.000 DKK - 1.000.000 DKK
Enter the invoice amount (ex. VAT)
50.000 DKK
How many days of credit?
50.000,00 DKK
Invoice amount
1.875,00 DKK
Price for invoice issuer
0,00 DKK
Price for invoice receiver
Due date

We currently only service invoices between two Danish companies. If you're selling to or buying from a foreign company, or you're based outside of Denmark, we're currently working on a solution for you. Please click below to find out more.

Frequently asked questions.

Will it affect my credit rating?

No. And we only care about credit checking the part that receives the invoice. It won’t affect your credit rating when you make a credit stretch.

Is the process complicated?

No, we simplified the process. There’s no financial interrogation involved and you don’t have to show your accounts. Just upload an invoice and we'll 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 can now get 60 days extra to pay while the supplier gets paid now. The supplier will be paid for most of the invoice, solving both of your problems at the same time. It's win/win.

I've tried something similar and it didn't work

Most finance providers can’t service smaller, less creditworthy SMEs. But we can. If the invoice receiver is creditworthy, we will finance them and give the invoice issuer 60 days to pay.

What happens if my customer/supplier is not creditworthy?

We only credit check the invoice receiver. We don’t even look at the invoice issuer. If the invoice receiver isn't creditworthy you could try an invoice from another customer.

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

Here's 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
“Fellow Pay help me get paid faster without harming my customer relationships”
Daniel Kirby
Tech entrepreneur

Submit an open invoice to our platform today to see if we can help you get paid faster.

Creating an account takes just a couple of minutes. Then you can immediately submit an invoice and get an answer within seconds.

Create an account