Earlypay Limited (ASX: EPY) ended FY26 with solid portfolio expansion, although increased credit expenses and investment spending pressured profitability. Funds in Use reached AU$307.8 million in June 2026, up 23% year-on-year and marking its strongest level in more than three years. Net revenue increased 7% to AU$36.0 million, while underlying NPAT fell 29% to AU$3.7 million.Equipment Finance was a major contributor to portfolio growth, with June Funds in Use increasing 39% to AU$174 million. Invoice Finance also regained positive momentum. Meanwhile, completion of the company’s platform consolidation is expected to improve scalability, streamline operations and support greater automation.For FY27, Earlypay forecasts underlying NPAT of AU$4.8–AU$5.2 million, implying growth of roughly 30%–40% over FY26. The company also declared a fully franked final dividend of 0.18 cents per share. 

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