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Kuik does not directly provide any financing. Kuik acts as an intermediary for financing solutions, and all financial processes are carried out through Kuik's partnered banks and financial institutions. Kuik serves as a technology-based bridge between its users and financial institutions.

Account opening, onboarding, and payment services are provided by Narvi Payments Oy Ab, an electronic money institution regulated by the Finnish Financial Supervisory Authority (FIN-FSA). Kuik does not provide regulated payment or e-money services.

The Kuik Master Card, The Kuik Master Corporate Card and the Kuik Master Commercial Card are issued by Stripe Technology Europe Limited, an electronic money institution authorized by the Central Bank of Ireland (firm reference number: C187865). Cards are issued under the Visa card scheme pursuant to a license from Visa Europe Limited. Visa is a registered trademark of Visa Europe Limited.

*Services provided by Narvi Payments Oy Ab, a regulated EMI.**Cards issued by Stripe.
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Term Range

30–120 Days

Instalment Period

Up to 12 Months

PAYMENT OPTIONS

Choose Your Payment Plan

Lump-sum maturity or monthly instalments — select the payment model that fits your business.

Term Selection

30 · 60 · 90 · 120

30
60
90
120

Instalment Plan

3 · 6 · 9 · 12

3
6
9
12

Pay your supplier invoices instantly, — repay with a single lump-sum payment between 30 and 120 days.

Term Plan

Invoice Amount
€7,500
Selected Term
60 days
Daily Cost
0,09%
Payment at Maturity€7,905

How It Works

Upload your supplier invoice through Kuik, select your term, and the invoice amount is paid to your supplier instantly. Repay in one lump sum at maturity.

  • Upload your invoice to the system
  • Choose a term between 30–120 days
  • Amount transferred to supplier instantly
  • Single payment at maturity

Term Selection

30

days

60

days

90

days

120

days

30 days€203
60 days€405
90 days€608
120 days€810

Flexible Term Options

Choose the term that best fits your cash flow. 30, 60, 90, or 120 days — the choice is yours.

  • 4 different term options
  • Customise based on your cash flow
  • Adapt to seasonal demands
  • Choose a different term for each transaction

Cost Analysis

Invoice Amount

€10,000

StartPaid day 4560

Early repayment benefit active

Transparent Daily Cost

You only pay for the days you use. In case of early repayment, remaining days are not charged.

  • Daily cost calculation
  • No early repayment penalty
  • Total cost known upfront
  • No surprise charges

Early Closure

Original Term

90 days

Early Payment Day

60. day

Savings

€225

30 days × 0.09%

Start6090

Early Closure Advantage

If you want to pay before maturity, you won't pay the cost for remaining days. Early closure is always beneficial.

  • Pay early anytime
  • Cost reduces for remaining days
  • Penalty-free early closure
  • Saving opportunity

Frequently Asked Questions

What is the difference between maturity and instalments?

With maturity, you make a single lump-sum payment after 30–120 days. With instalments, you repay the amount in equal monthly payments over 3–12 months.

Which option is better for me?

Maturity is better for short-term cash flow needs, while instalments are more suitable for large investments and equipment purchases.

Can I pay early?

Yes, there is no early repayment penalty in either model. With maturity, the cost for remaining days decreases; with instalments, you get a cost advantage on remaining payments.

Can I choose a different plan for each transaction?

Yes, you can set a separate maturity or instalment plan for each supplier purchase.

Choose Your Payment Plan

Invoice maturity or instalment payments — start now with the model that fits your business.