Delete the text you dread sending.Make an offer instead.

Whatever you invoice for, asking to be paid early feels awkward. Settle Now sends your customer a clear offer, and they decide.

Your customer pays you directlyWe never touch the money

To Emma · Harbourside Café

Hi Emma, glad you love the branding. Would you be open to paying the final invoice early?

To Emma · Harbourside Café

Ortiz Studio · Invoice 2214

5% off if you pay by Friday 9 October

$4,560.00$4,800.00

AcceptCounterNot now

Everyone gets paid late. Almost nobody asks.

1 in 2
people would pay more just to avoid negotiating.
Source: Hunsaker, Zhang and Lee, Negotiation and Conflict Management Research, 2025
80%
of Australian businesses were paid late in the last 12 months.
Source: CreditorWatch, February 2026
25 days
On average, late invoices are paid 25 days after they're due.
Source: CreditorWatch, February 2026

Three steps. Zero awkward calls.

Most businesses would happily take a little less to be paid sooner. Almost nobody asks, because asking feels awkward. The money is not the barrier. The conversation is.

You.

Choose the invoice, the discount and the pay-by date. We send it to your customer as a clear offer.

Invoice 2214

Harbourside Café · Due Wed 28 Oct

$4,800.00

3%5%7%
Pay byFri 9 Oct
You receive$4,560.00

Paying an invoice, not sending one? Your customers can make the first offer too. See how it works for payers →

Two sides. One clear offer.

A plumber standing beside his uteI send invoices

Get paid early for work you've done.

For anyone who sends invoices: trades, consultants, suppliers, studios and freelancers. You choose the discount and the pay-by date. We send the offer.

  • You set the discount and the date
  • Your bank account and invoicing stay the same
  • If they pass, your invoice stays as it was
A business owner reviewing an offer on her phoneI pay invoices

Save on invoices you'd pay anyway.

For property managers, builders, commercial clients and homeowners. Accept an offer, counter it or let it expire. Or make the first offer yourself.

  • Ask any business for an early-payment offer
  • Decide before the offer expires
  • Pay the business directly, as always

Join the waitlist

Be one of the first to try it.

Settle Now is in testing. We are onboarding businesses in batches by industry, and early registrants get priority access.

  • Priority access as we open to your industry
  • Help shape how Settle Now works
  • No commitment. Leave the list any time.
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