Funding Loop Pay powered by ChocoUp

Close More Sales with 0% Merchant Fees

Offer 6-month payment plans to your business customers. You get paid upfront. They pay weekly.

  • Get paid day one
  • No merchant fees
  • We handle repayments
Let Customers Pay Over Time

How It Works

Boost sales and cash flow – without extra cost or admin.
🛒

Offer Funding Loop Pay

Let your business customers choose to split their invoice over 26 weekly payments.

Step 1
📝

Customer applies

They complete a simple online application and submit documents.

Step 2
✅

Approval & first payment

Once approved, the customer accepts the plan and makes their first payment.

Step 3
💵

You get paid

As soon as the first payment is received, you’re paid in 24-48 hours. We handle the rest.

Step 4

Why Offer Funding Loop Pay?​

Give your business customers flexible payment terms – and get paid upfront with no risk or cost.

Get Paid Upfront

No waiting. Full amount hits your account on day one.

Increase Conversions

Let customers buy now and pay over time.

Grow Order Sizes

Flexible payment terms increase the average spend.

No Cost to You

100% free for merchants. The customer pays the fee.

No Risk

We handle repayments and collection.

Stand Out

Attract more customers with smarter payment options.

Speak With Us Today

Who’s It For?

Ideal for businesses that sell products to other businesses – no services, no extra admin.

Sellers with business customers

For businesses selling to other businesses

$1k - $20k Invoices

Best suited for mid-sized invoice amounts.

Looking to Boost Sales

Offer flexible terms to drive more orders.

Want to Get Paid Faster

No more waiting - get paid upfront.

Get Started With Funding Loop Pay

How It Works for Your Customers

We handle all approvals. You focus on sales.

Customer Eligibility

  • In business for 12+ months
  • Business must be a company structure
  • Minimum $10,000 monthly turnover
No extra work for you. We manage onboarding, checks, and approvals – at no cost to your business.

What It Looks Like for Customers

  • First payment: Taken on the day of purchase
  • Then: 26 equal weekly repayments
  • Cost: 7.5% fee added to the invoice amount

Example: $5,000 invoice → $5,375 total repaid over 6 months
No hidden fees. No surprises.

Get Started in Minutes

No setup cost. No risk. Just easier sales and happier customers.
  • No setup cost
  • Fast settlement
  • Free merchant support

Frequently asked questions​

What documents or business information do I need to apply?
To assess your application, we typically request your ABN, recent bank statements, and a summary of your business trading activity. Depending on the product or lender, additional documents may be required.
Yes – some lenders offer options for newer businesses. In most cases, you’ll need at least 6 months of trading history, but we’ll review your situation and match you with the most suitable lenders.
Yes – many businesses apply for multiple products depending on their needs. You can explore options such as equipment finance, term loans, and credit lines, and we’ll help you compare them side-by-side.

To begin, we’ll present you with indicative offers based on the information you provide. This allows you to compare your options upfront without any credit checks or impact on your credit score.

We typically don’t submit a formal application right away, as that would involve a credit enquiry. Our approach ensures you can review your options first before proceeding with any formal applications.
We work with a carefully selected panel of Australian and international lenders. Our partners are assessed based on their product range, approval speed, service quality, and competitive pricing to ensure we match you with trusted providers.
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Let’s get your business funded.

Quick questions. No credit checks. No obligations.