Announcement PDF QUICKFEE Q1 FY26 BUSINESS UPDATE 16 October 2025 Chief Executive Officer, Bruce Coombes Chief Financial Officer, Simon Yeandle 16 October 2025 www.quickfee.com 1 WE HELP FIRMS Reduce A/R A/R typically runs high for firms, and we can help turn that A/R into cash Grow the Business There are many priorities competing for cash, and we can help find more of it for firms and their clients OUR SOLUTIONS Pay Now | EFT + Card (AU only) Secure digital payments platform for accounting and professional service firms Pay Over Time | QuickFee Finance Exclusive invoice and fee financing for clients to pay over 3,6,9 or 12-months Disbursement funding Helping law firms pay disbursements related to personal injury matters B2B FINANCE + Designed specifically for professional service firms + No invoice maximum for QuickFee Finance + Finance product is B2B only, no consumer credit regulations TRUSTED FOR PAYMENTS AND FINANCING SOLUTIONS SINCE 2009: 650+ PROFESSIONAL SERVICES FIRMS CURRENTLY FINANCED WORLDWIDE $700M LOANS ORIGINATED SINCE INCEPTION OVER TARGET MARKET: PROFESSIONAL SERVICES FIRMS OVER $1M IN ANNUAL REVENUE QuickFee helps professional services firms accelerate accounts receivable, get paid faster and grow their business. Q1 FY26 Results Overview Revenue up 9% on pcp & positive EBTDA in Q1 FY26 www.quickfee.com 2 + GROUP REVENUE OF $6.1m + EBTDA POSITIVE IN Q1 FY26 Q1 FY26 REVENUE A$5.6M A$6.1M Q1 FY25 Q1 FY26 1 Q1 FY26 revenue includes full quarter contribution from AU Finance & US Finance and revenue from US Pay Now (ACH, Card & Connect) from 1 July to 9 September 2025. 2 Q1 FY26 financial results are unaudited Q1 FY26 PERFORMANCE1 Q1 FY26 Q1 FY25 MOVEMENT REVENUE US FINANCE (PAY OVER TIME) US$ 0.6 M US$ 0.7 M -14% US PAY NOW (ACH & CARD) US$ 1.0 M US$ 1.0 M -% AU FINANCE (PAY OVER TIME) A$ 3.0 M A$ 2.7 M +11% TOTAL TRANSACTION VALUES (TTV) US FINANCE (PAY OVER TIME) US$ 4.8 M US$ 6.7 M -28% US PAY NOW (ACH & CARD) US$ 367 M US$ 309 M +19% AU FINANCE (PAY OVER TIME) A$ 15.6 M A$ 15.6 M -% FY26 EARNINGS GUIDANCE Expected FY26 EBTDA in the range of $3.75 - $4.25 million 16 October 2025 Sale of US Pay Now business for US$26.35 million www.quickfee.com 3 + QuickFee sold its US Pay Now (ACH, Card & Connect) business for US$26.35 million (A$40 million) to Aiwyn, Inc. + Sale announced on 8 September 2025 and completed on 9 September 2025, with most US staff transitioning to Aiwyn + Aiwyn is a KKR and Bessemer Ventures backed US technology company delivering payments, practice management and tax solutions to accounting firms + Acquisition multiple of 5x revenue, based on FY25 US Pay Now revenue of US$5.3 million + QuickFee retains the US Finance business and US loan book (US$6.8 million at 30 Sep 2025) + QuickFee will benefit from a new reseller agreement with Aiwyn for the US Finance product + Reseller agreement creates opportunity for QuickFee to offer its Finance product to approximately 300 CPA firms in the CPA ‘Top 500’ 16 October 2025 UNITED STATES: SINGULAR FOCUS AND RESELLER CHANNEL www.quickfee.com US: Finance opportunity through focus and reseller channel + US revenue flat on pcp at US$ 1.7M1,2 + US Finance TTV down 28% on pcp to US$4.8M, due to the adverse impact of the termination of new loan originations from one US firm who defaulted on its repayments CURRENT FOCUS + Leverage significant new growth channel for US Finance through new reseller agreement with Aiwyn + QuickFee's US Finance product will become embedded in Aiwyn's payments options + Relaunch of US Finance product go-to-market strategy and customer service model + 2 staff in the US currently; plans to increase to 4 + Negligible product development expenses and capex requirements moving forward US FINANCE TTV (US$M) 5 US REVENUE (US$M) 22.0 24.4 26.2 26.7 27.5 29.8 30.6 29.1 27.2 Q1 FY24 Q2 FY24 Q3 FY24 Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 US FINANCE 'LAST 12 MONTHS ROLLING' TTV (US$M) 16 October 2025 1 Q1 FY26 revenue includes full quarter contribution from US Finance and revenue from US Pay Now (ACH, Card & Connect) from 1 July to 9 September 2025. 2 Q1 FY26 financial results are unaudited AUSTRALIA: BUSINESS REMAINS STRONG AU: Strong performance continues in Q1 FY26 + AU revenue up 13% on pcp to A$ 3.4 million1 (Q1 FY25: A$ 3.0 million) + AU Finance TTV flat on pcp, primarily due to a very strong prior year September quarter (Q1 FY25, which was up 42% on pcp) + Revenue yield up 220 bps on pcp, primarily due to growth in legal disbursement funding book, now at 35% of total AU book + No credit losses in quarter www.quickfee.com 7 AU FINANCE TTV (A$M) AU REVENUE (A$M) 1,693 1,914 2,014 2,274 2,651 2,703 2,682 2,857 2,998 Q1 FY24 Q2 FY24 Q3 FY24 Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 AU FINANCE REVENUE (A$000s) 48.5 51.2 53.4 55.5 60.1 61.8 62.8 63.7 63.7 Q1 FY24 Q2 FY24 Q3 FY24 Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 AU FINANCE 'LAST 12 MONTHS' ROLLING TTV (A$M) 16 October 2025 1 Q1 FY26 financial results are unaudited CAPITAL MANAGEMENT Proposed Capital Return of 7.5cps (approximately A$28.4m) www.quickfee.com 9 + QuickFee will return 7.5cps (approximately A$28.4m) to shareholders, subject to shareholder approval at the upcoming AGM + A capital return was determined to be the optimal method: + provides the opportunity for all ordinary shareholders to participate equally, unlike an off-market buy-back + is immediate, compared to an on-market share buy-back + proportionate interests in the Company remain unchanged + any dividend payment would be unfranked 16 October 2025 APPROXIMATE ALLOCATION OF SALE PROCEEDS A$M Proceeds from sale of US Pay Now business 40.0 Deposits and escrowed proceeds to be released over the next 36 months (3.8) Legal and other transaction costs (2.6) Debt reduction (5.0) NET SURPLUS CASH FROM SALE PROCEEDS 28.6 TIMETABLE Annual General Meeting seeking shareholder approval of Capital Return 18 November 2025 Effective date of the Capital Return 19 November 2025 Last day for trading of Shares entitled to Capital Return 20 November 2025 Trading in Shares on an ‘ex return of capital’ basis commences 21 November 2025 Record Date for the Capital Return 24 November 2025 Payment Date for the Capital Return 1 December 2025 Strengthened balance sheet & liquidity www.quickfee.com 10 Loan book & Liquidity A$M 30 SEPT 2025 PRO-FORMA (POST CAPITAL RETURN) 30 JUNE 2025 $+/- LOAN BOOK 58.9 58.6 +0.3 Unrestricted cash and cash equivalents 35.8 6.9 +28.9 Expected capital return -24.8 - -24.8 Borrowings facility growth capacity to support further loan book growth 21.6 16.6 +5.0 TOTAL CASH + GROWTH CAPACITY 32.6 23.5 +9.1 16 October 2025 Credit facilities Viola credit facility + A$68 million committed facility. + Optional expansion to A$118 million (subject to approval) + Currently drawn to A$46.7 million + Interest margin of 6.5% plus BBSW + Secured against US & AU loan receivables + Advance rate 94% (average) + Maturity June 2028 Fancourt term loan + A$5 million drawn + Interest margin of 10% plus BBSW + Secured against parent company + Maturity December 2028 Continue to consider capital management initiatives as business generates positive operating cashflow FY26 OUTLOOK Outlook www.quickfee.com 12 Singular management focus on growing Finance in both AU and US + Streamlined back-office processes + Leverage experience and success in AU into US + Aiwyn reseller agreement opportunity + Sole product focus for staff commissions Negligible product development and capex requirements moving forward Expected FY26 EBTDA in the range of $3.75 - $4.25 million 16 October 2025 CONTACT DETAILS Simon Yeandle, CFO p: +61 2 8090 7700 e: simon.yeandle@quickfee.com Katie Mackenzie, Investor Relations p: +61 455 502 197 e: kmackenzie@belleviewir.com.au Disclaimer The material contained in this document has been prepared by QuickFee Limited ACN 624 448 693 (‘company’) and contains general information about the company’s activities current as at the date of this presentation (16 October 2025). By accepting this document, you agree to be bound by the below terms and conditions. This presentation is provided in summary and does not purport to be complete and is intended to be read in conjunction with the company’s other announcements to ASX. The information contained in this presentation is not intended to be relied upon as advice to current shareholders or investors as it does not take into account the investment objectives, financial position or needs of any particular shareholder or investor. Shareholders and investors should assess their own individual financial circumstances and consider talking to a financial adviser or consultant before making any investment decision. This presentation may contain forward looking statements including statements regarding our intent, belief or current expectations with respect to the company’s businesses and operations, market conditions, results of operation and financial condition, capital adequacy, specific provisions and risk management practices. Such statements involve known and unknown risks, uncertainties, assumptions, and readers are cautioned not to place undue reliance on these forward-looking statements. No representation is made as to the accuracy, completeness or reliability of the presentation QuickFee does not undertake any obligation to publicly release the result of any revisions to these forward-looking statements to reflect events or circumstances after the date hereof to reflect the occurrence of unanticipated events. None of the company, its subsidiaries, nor their respective directors, officers, employees, contractors or agents accepts responsibility for any loss or damage resulting from the use of or reliance on this presentation by any person. While due care has been used in the preparation of forecast information, actual results, performance or achievements may vary in a materially positive or negative manner from those expressed or implied by such statements. Forecasts and hypothetical examples are subject to uncertainty and contingencies outside QuickFee’s control. Past performance is not a reliable indication of future performance and no guarantee of future returns is implied or given. Some of the information in this presentation is based on unaudited financial data which may be subject to change. Glossary www.quickfee.com 15 ACH Automated Clearing House A type of electronic bank-to-bank payment in the US, equivalent to EFT in Australia Active customer Any customer who has transacted with QuickFee in the relevant period Active firm Any firm that has had a transaction with QuickFee in the relevant period APR Annual percentage rate The annual rate of interest on payment plans or loans BNPL or Q Pay Plan BNPL powered by QuickFee QuickFee’s ‘Buy Now, Pay Later’ product to enable a customer to pay their invoice in 3-12 instalments using the unused balance of their credit card CC Credit card Connect QuickFee’s productname for its point-of-payment integration, e-invoicing, automated collections and receivables management product Customer The customer of a merchant, who will use one of QuickFee’s payment options to pay their invoice EFT Electronicfunds transfer An Australian domestic payments network that facilitates the transfer of funds electronically Firm Typically used to describe a professional services firm (e.g. an accounting or law firm) Gross Trading Margin (GTM) Gross Trading Margin is calculated as Gross Profit per QuickFee’s audited financial statements, less bad debt write-offs (which are included in general and administrative expenses) KYC Know your customer Practice to verify the identity of customers in compliance with laws and regulations Merchant A firm. Net Transaction Margin (NTM) Net Transaction Margin is a non-IFRS measure that is not audited but is derived from audited figures and is a financial metric used by management to track QuickFee’s unit economics of processingindividual transactions, after deducting any bad debt write-offs. It excludes fixed platform and staff costs and any interest on funding facilities, as these costs are not incurred as a result of processingindividual transactions. QuickFee Finance/ Financing/ Lending/ Pay Over Time QuickFee’s traditional merchant-guaranteed fee funding product that enable customers to take out a payment plan to pay their invoice, while QuickFee settle to the merchant immediately QuickFee Pay Now QuickFee’s payment gateway that enables customers to pay their invoice infull to the merchant with or without taking out a payment plan Revenue yield Revenuerecognised in accordance withQuickFee’s accountingstandards, divided by TTV, for the relevant product(s) Total Liquidity Cash and cash equivalents held, plus undrawn borrowings that are available to be drawn from QuickFee’s asset-backed credit facility based on the quantum of eligible loan receivables. TTV Total transaction value The total value of all transactions for the relevant product(s) pcp Previous corresponding period For example, the pcp for the December 2022 quarter is the December 2021 quarter 16 October 2025