The Fintech Index
31 companies rated 5 sectors 2 reports Last checked Oct 5, 2026

Earlypay vs Butn

A person comparing Earlypay with Butn is deciding between an ongoing invoice-finance facility with a relationship manager and a platform that advances cash on one invoice at a time.

Earlypay

73 / 100

Best for

SMEs that want ongoing invoice finance (and often equipment finance) with a specialist lender managing a facility.

Butn

74 / 100

Best for

Businesses that want to fund selected invoices, often through accounting software or a partner platform, with a percentage fee for each term band.

Watch-out

Butn’s fees for funding through MYOB are published on MYOB’s help pages, while Earlypay quotes its cost after assessment.

Bottom line

Choose Earlypay when the business wants a standing facility and may also need equipment finance. Choose Butn when advances on selected invoices, often through accounting software, are enough.