Pay as you Golf

What Pay as you Golf does

Pay as you Golf is an Australian consumer financing service that enables members of participating golf clubs to pay annual membership fees, nomination fees, and selected house, bar, and water levies in monthly or fortnightly instalments over terms of 4 to 10 months, rather than as a single lump sum. The company self-describes as "Australia's leading golf membership funding company" and operates as a brand under Victory Funding Pty Limited (ABN 11 077 184 742), a privately owned premium funding and instalment company that administers the payment facility and is a member of the Insurance Premium Finance Association of Australia.

Revenue is generated through four streams: a percentage-based processing charge on the funded annual invoice (example cited: 10.95% on a $1,000 fee), a $40 administration fee applied with the first instalment, a $25 dishonour fee for failed direct debits, and pass-through credit card merchant fees. Distribution is exclusively through participating golf clubs across NSW Metro, NSW Regional/ACT, Queensland, Victoria, and SA/WA/NT; individual members cannot apply unless their club offers the facility. Club General Managers and Boards initiate onboarding, and members apply online through a portal hosted by Victory Funding's Odyssey system.

The company has no disclosed proprietary technology platform, no mobile application, and no public API — its digital footprint is a Wix-hosted marketing site redirecting applicants to an external portal managed by Victory Funding. The marketing mix is heavily reliant on club referrals and General Manager endorsements (e.g., Kogarah Golf Club, Penrith Golf Club, Golf Studio), supplemented by organic social media presence on Facebook, Twitter, and LinkedIn, and video testimonials as bottom-of-funnel assets.

Name

Pay as you Golf

Legal name

Pay As You Golf

Website

https://payasyougolf.com.au

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

1–10 employees

Short description

Pay as you Golf is an Australian consumer financing service that lets golf club members spread annual membership fees over 4 to 10 monthly or fortnightly instalments, distributed exclusively through participating golf clubs across multiple Australian states.

Ownership category

akta.pro rank

Headquarters

HQ city

Richmond

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Technology or R&D, Marketing or Sales, Personnel

Revenue model

1. Processing Charges: The company earns revenue through fixed processing charges added to the membership fee instalments. The processing charge is calculated as a percentage of the annual invoice amount and is fixed for the term of the facility. Example: $1,000.00 + ($1,000.00 x 10.95%) ÷ 10 instalments = $110.95 per instalment.
2. Administration Fees: A $40 administration fee is applied with the first instalment of each membership funding arrangement.
3. Dishonour Fees: $25 dishonour fee is charged for unsuccessful automatic payment attempts and automatically drawn from the nominated account.
4. Credit Card Merchant Fees: An additional charge is applied to instalment payments made by credit cards to recoup merchant service fees levied by credit card providers.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

Pay as you Golf offers a financing facility that lets golf club members pay their annual membership fees, nomination fees, and selected annual house, bar, and water levies in instalments rather than as a lump sum. Members choose terms of 4, 6, or 10 consecutive monthly (or fortnightly) instalments, repay by direct debit or credit card, and the underlying credit provider (Victory Funding P/L) pays the golf club in full 14 days after the first instalment is completed. The service is distributed exclusively through participating golf clubs that opt in to offer the facility to their members.

Product overview

Pay as you Golf operates as a single-product golf membership financing service. The company offers one core product — its Instalment Facility — which enables golf club members to pay annual club membership fees in manageable instalments rather than as a lump sum. The service covers nomination fees, annual membership fees, and selected house, bar, and water levies. Administration and funding are managed by Victory Funding P/L, which processes payments via direct debit or credit card over terms of four to ten months.

Differentiator

Problem solved

Functional benefit

Products and services

• Pay as you Golf Instalment Facility A consumer financing facility that allows Australian golf club members to spread their annual club membership fees, nomination fees, and selected annual house, bar, and water levies over 4, 6, or 10 consecutive monthly (or fortnightly) instalments, repaid by direct debit or credit card. The credit provider (Victory Funding P/L) pays the golf club the full annual fee upfront 14 days after the first instalment is completed, and charges the member a fixed percentage processing charge plus a $40 administration fee on the first instalment.

Quantifiable outcome

• Golf club is paid in full fourteen days after first instalment is completed

Named customers3 records

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered minor.

• Kogarah Golf ClubminorChannel Partner/ Reseller/ DistributorOne of the participating golf clubs offering Pay as you Golf facility to their members. Tony Rodgers (GM) provides video testimonial recommendation.
• Penrith Golf ClubminorChannel Partner/ Reseller/ DistributorOne of the participating golf clubs offering Pay as you Golf facility to their members. Brendon Kop (GM) provides video testimonial recommendation.
• Insurance Premium Finance Association of AustraliaminorOthersVictory Funding P/L is a member of this industry association, providing credibility and regulatory compliance for the funding operations.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Zip Co: Australian-listed BNPL and consumer-credit provider with 'Pay in 4' and longer-term instalment products across retail and services. Comparable as a capital-rich consumer-instalment incumbent that could credibly extend into the golf-membership segment.
• Latitude Financial Services: Major Australian consumer-credit issuer (personal loans, credit cards, interest-free and longer-tenor instalments). Comparable as a large-scale Australian alternative to the instalment-credit mechanic Pay as you Golf provides through Victory Funding.
• Humm Group: Australian BNPL provider offering longer-tenor instalments (up to 60 months) for higher-value purchases in retail, healthcare and automotive. Comparable for the longer-instalment, fixed-fee structure it shares with Pay as you Golf, even though distribution is merchant-POS rather than club-channel.
• Afterpay: Australia's largest BNPL platform, offering short-instalment checkout at retail and service merchants. Comparable as a broader, well-capitalised consumer-instalment competitor operating in the same Australian market that Pay as you Golf serves, even though it focuses on shorter tenors and retail checkout rather than annual membership fees.

Emerging players

• Plenti: Australian specialist consumer and automotive lender offering fixed-rate, instalment-style loans. Comparable as an Australian consumer-credit specialist using fixed processing economics rather than revolving credit.
• Brighte: Australian specialist consumer-finance platform focused on sustainable home upgrades and other high-ticket verticals. Comparable as a vertically focused Australian instalment lender with a similar niche-then-expand playbook.
• MoneyMe: Australian digital consumer lender providing personal loans and Autopay BNPL-style credit. Comparable as a mid-sized Australian consumer-instalment alternative addressing similar cash-flow budgeting pain points.

Others

• Victory Funding P/L: The privately owned premium-funding and instalment company that actually underwrites and administers Pay as you Golf's facility. Comparable as the closest operating analogue to Pay as you Golf's underlying credit/administration engine, with which it has a structural partnership.

Direct peers

• Openpay: Australian-listed BNPL/instalment provider focused on larger-ticket, longer-term purchases (auto, healthcare, home improvement) with a similar fixed-fee, merchant-paid model. Comparable because both convert a single large invoice into scheduled instalments with the merchant paid upfront and the consumer paying over time.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/PayasyouGolf
• Facebookfacebook.com/payasyougolf

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Pay as you Golf