Financial Products

Zetl helps services businesses manage their monthly operating expenses by providing growth, payroll  and working capital financing.

Invoice Financing

Fast, flexible financing to cover any short term working capital needs

If you’re unsure whether you need financing long-term, just want to try us out, or need quick cash, we recommend using our Single Invoice Discounting product. We offer up to 80% of the invoice value upfront within 24 hours. You only need to repay once the client settles, so you can focus on what truly matters - growing your business.

Project Financing

Pay staff on time throughout a project – even if the clients pay late

If you invoice one client often, you can receive up to 100% of your invoice value with our Full Turnover Discounting product. You’ll get a fixed rate with no minimum fee for the duration of your contract. To top it off, we can also provide you with a local client account so your transactions are as seamless as they can be.

Credit Line

Flexible long-term facility secured against your revenues

Have the capital ready whenever you need it with our flexible Credit Facility. It acts as an overdraft, and you’ll only pay when you’re using the funds. The maximum loan amount depends on the number of invoices you submit. You can also integrate your Zetl account with Xero to make the process even faster and benefit from lower interest rates.

Wage Layer

Simplify your global staff payroll. Protect staff from late payment.

Protect your staff from late payments with our wage layer service. Whether your clients are late payers or you just want to unlock more working capital, with wage layer you can pause your payroll on-demand and settle at a later date. You’ll have the ability to streamline your admin and only make one payment as Zetl continues to pay your staff.

Frequently Asked Questions

How much will it cost?
Prices vary depending on your finances and your client. Rates typically start from 1.8% per month. No hidden fees, ever.

What if my client doesn’t pay on time?
You pay when your client pays. If there’s an issue with the payment you can substitute in a new invoice or other accounts receivables, subject to our approval.

Where do you operate?
We can finance your growth throughout APAC.

Are there any limitations to what I can use the funds for?
Our funding is typically used for monthly operating expenses but can be used to invest in growth in order to win new business.

How long does sign up usually take?
You can sync in confidence with your cloud accounting provider or upload your documents. Onboarding is usually completed within 3-5 days but can be done sooner.