Announcement PDF QUICKFEE Q4 FY26 BUSINESS UPDATE 21 July 2026 Chief Executive Officer, Bruce Coombes Chief Financial Officer, Simon Yeandle Q4 FY26 Results Overview Australian Finance TTV up 40% on pcp; expanded debt facility www.quickfee.com 1 + GROUP REVENUE OF $4.4M + EBTDA POSITIVE IN Q4 FY26 1 “Normalised PCP” – Q4 FY25 has been restated/normalised to remove revenue from US Pay Now (US ACH, Card and Connect products), which was sold in September 2025. 2 Q4 FY26 financial results are unaudited 3 Excluding any accounting profit recorded on the sale of the US Pay Now business. 21 July 2026 CONFIRMED EARNINGS GUIDANCE FY26 EBTDA in the range of $3.75 - $4.25 million3 * REVENUE FROM SOLD PRODUCTS ** ONGOING REVENUE Q4 FY26 PERFORMANCE2 Q4 FY26 Q4 FY25 MOVEMENT REVENUE US FINANCE (PAY OVER TIME) US$ 0.5 M US$ 0.7 M -29% US PAY NOW (ACH & CARD) vs reported pcp - US$ 1.8M AU FINANCE (PAY OVER TIME) A$ 3.3 M A$ 2.9 M +14% GROUP REVENUE vs. REPORTED PCP A$ 4.4 M A$ 7.2 M -39% GROUP REVENUE vs. NORMALISED PCP1 A$ 4.4 M A$ 4.4 M - % TOTAL TRANSACTION VALUES (TTV) US FINANCE (PAY OVER TIME) US$ 4.4 M US$ 4.8 M -8% AU FINANCE (PAY OVER TIME) A$ 25.1 M A$ 17.9 M +40% A$4.4M** A$4.4M** A$2.8M* Q4 FY25 Q4 FY26 Q4 FY26 Highlights www.quickfee.com 2 Quarterly revenue of A$4.4m, in line with normalised pcp (excluding US Pay Now) + AU Finance revenue up 14% on pcp to A$3.3 million + US Finance revenue down 29% on pcp to US$0.5 million Australian total loan origination (TTV) up 40% on pcp to $25.1 million + Legal Disbursement funding (DF) total transaction value (TTV) up 134% on pcp to A$7.5 million + Fee Funding TTV in Australia up 20% on pcp to $17.6 million + AUD Viola debt facility limit increased from A$45 million to A$60 million Net interest margin stable at 15.3% + Reflects robust business model in the high-margin, B2B fee-funding industry for the accounting and legal professions across Australia and the United States Confirms guidance of FY26 EBTDA in the range of A$3.75m - A$4.25m + Strong finish to FY26 creates momentum going into FY27 + Growth potential in Aiwyn reseller volumes in the US + Expected FY26 final dividend of 0.5c per share 21 July 2026 www.quickfee.com 3 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 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 and disputed estates 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: 700+ PROFESSIONAL SERVICES FIRMS CURRENTLY FINANCED WORLDWIDE $800M LOANS ORIGINATED SINCE INCEPTION OVER TARGET MARKET: PROFESSIONAL SERVICES FIRMS OVER $1M IN ANNUAL REVENUE QuickFee helps professional services firms accelerate collection of accounts receivable, get paid faster and grow their business. 21 July 2026 Targeting Accounting and Legal verticals Focus on professional services firms + Professional services with a business-to-business (B2B) focused customer base + Firm revenue greater than $1M In Accounting and Legal verticals + Accounting or solution providers to accounting (e.g. accounting software or CPA State Society) + Commercial, family law and personal injury law firms Underpins low-risk lending model + Professional accreditations licensing and highly regulated environments require high ethical standards, which significantly reduce counter-party risk in B2B lending + Annual recurring revenue streams for accounting and tax compliance obligations ensure low volatility receivables + Legal work more transactional and larger ticket size drives demand for financing www.quickfee.com 4 21 July 2026 Strong and stable net interest margin of 15.3% www.quickfee.com 5 + Q4 FY26 revenue flat vs normalised pcp + Group NIM steady at 15.3% in Q4 FY26, with low volatility on a quarterly basis + Reflects high-margin, low-risk business model + Future bank rate increases could impact NIM, as they are not usually immediately reflected in rates charge 14.1% 14.4% 14.6% 14.6% 14.8% 15.0% 15.3% 15.3% Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 GROUP NET INTEREST MARGIN % (ROLLING LAST 12 MONTHS) LTM NIM 21 July 2026 Expanded debt facility to fund future loan book www.quickfee.com 6 + AUD facility expanded from A$45 million to A$60 million + Strong endorsement of business model and low credit losses in accounting and law + USD facility at US$15 million with expansion capacity to US$30 million (subject to approval) + Total cash + available funds to draw of A$6.7 million at 30 June 2026, + Further borrowing growth capacity of a further A$26.4 million to fund future loan book growth + Around 47% of AU loan book in disbursement funding (DF) + Decrease in US loan book; Finance product to be embedded into Aiwyn platform scheduled by December 2026 + BNPL book now in run-off 21 July 2026 AUSTRALIA: STRONG GROWTH IN LEGAL AU: Q4 FY26 Finance revenue up 14% on pcp + AU Finance revenue up 14% to A$3.3 million (Q4 FY25: A$2.9 million) + AU Finance TTV up 40% on pcp + Finance revenue yield down 300 bps on pcp to 13.0%, primarily due to high TTV in Q4 FY26 with a large portion of interest income still to be recognised in future periods + Strong growth in DF originations is a result of recent signings of several major personal injury law firms, including two $50 million+ revenue firms. www.quickfee.com 8 2,651 2,703 2,682 2,857 2,998 2,925 2,901 3,271 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 AU FINANCE REVENUE (A$000s) 15.6 16.1 14.1 17.9 15.6 15.0 14.7 25.1 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 AU FINANCE TTV (A$M) 21 July 2026 UNITED STATES: FOCUS ON RESELLER CHANNEL www.quickfee.com US: Q4 FY26 Finance revenue down 29% on pcp + US Finance TTV down 8% on pcp to US$4.4 million; Finance revenue down 29% on pcp to US$0.5 million (Q4 FY25: US$0.7 million) + Growth potential in Aiwyn reseller volumes + QuickFee’s US Finance offering to be embedded into Aiwyn’s payment solutions by 31 December 2026, which was previously planned for June 2026 + New incentive structures implemented with Aiwyn team + 3 staff in the US; 11 years’ combined QuickFee experience 10 659 739 903 708 551 565 528 498 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 US FINANCE REVENUE (US$000s) 6.7 10.0 7.6 4.8 4.8 6.3 4.6 4.4 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 US FINANCE TTV (US$M) 21 July 2026 FY26 PERFORMANCE AND OUTLOOK FY26 Performance Overview Underlying revenue down 1% on pcp1 www.quickfee.com 12 + LIKE-FOR-LIKE REVENUE OF A$16.8M, DOWN 1% ON PCP1 + UNDERLYING NPAT POSITIVE IN FY263 A$17.0M** A$16.8M** A$8.2M* A$1.6M* FY25 FY26 FY26 PERFORMANCE2 FY26 FY25 MOVEMENT REVENUE US FINANCE (PAY OVER TIME) US$ 2.1 M US$ 3.0 M -30% US PAY NOW (ACH & CARD) vs reported pcp US$ 1.0 M US$ 5.3 M -81% AU FINANCE (PAY OVER TIME) A$ 12.1 M A$ 10.9 M +11% GROUP REVENUE vs. REPORTED PCP A$ 18.4 M A$ 25.2 M -27% GROUP REVENUE vs. NORMALISED PCP1 A$ 16.8 M A$ 17.0 M -1% TOTAL TRANSACTION VALUES (TTV) US FINANCE (PAY OVER TIME) US$ 20.1 M US$ 29.1 M -31% US PAY NOW (ACH & CARD) vs reported pcp US$ 272 M US$ 1,527 M -83% AU FINANCE (PAY OVER TIME) A$ 70.4 M A$ 63.7 M +11% 1 “Normalised PCP” – FY25 has been restated/normalised to remove revenue from US Pay Now (US ACH, Card and Connect products), which was sold in September 2025. 2 FY26 financial results are unaudited 3 Excluding any accounting profit recorded on the sale of the US Pay Now business. 21 July 2026 FY26 Earnings Guidance www.quickfee.com 13 QuickFee provides the following guidance on its results for the full financial year ended 30 June 2026 A$ FY26 expected FY25 reported REVENUE 18.4 M 25.3 M OPERATING EXPENSES (7.5 M) TO (8.0 M) (13.9 M) UNDERLYING EBTDA 3.75 M TO 4.25 M 2.4 M NON-RECURRING PROVISION FOR EXPECTED CREDIT LOSSES - (3.4 M) PROFIT ON SALE OF US PAY NOW BUSINESS 35.6 M - STATUTORY EBTDA / (LOSS) 39.3 M TO 39.8 M (1.0 M) REPORTED NPAT / (LOSS) 36.5 M TO 37.0 M (4.3 M) 21 July 2026 Outlook www.quickfee.com 14 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 + Stable cost base with negligible product development and capex requirements moving forward Dividends + Expected final FY26 dividend of 0.5c per share + Expected special dividend of approximately 1c per share in Q4 CY26 from the balance of US sale proceeds Continue to consider other potential inorganic opportunities 21 July 2026 QUESTIONS To post any questions or feedback on this presentation, we encourage investors to sign up to the QuickFee investor hub at investorhub.quickfee.com/auth/signup 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 https://investorhub.quickfee.com/link/Pw7V3P 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 (21 July 2026). 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. APPENDIX Glossary www.quickfee.com 18 ACH Automated Clearing House A type of electronic bank-to-bank payment in the US, equivalent to EFT in Australia 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 AVERAGE LOAN BOOK Calculated as the average of the gross loan receivables owing, less future unearned interest, less expected credit loss provision, at the start and end of any period 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 CARD / CC Credit card CUSTOMER / CLIENT The customer of a merchant, who will use one of QuickFee’s payment options to pay their invoice DF / LDF Legal Disbursement Funding; a product offered by QuickFee to fund disbursements (usually medico-legal expenses) incurred by law firms on behalf of their clients for personal injury claims. These loans accrue interest daily, interest compounds and the principal and all accrued interest is repaid on the earlier of when each matter concludes and after 36 months from funding. The law firm is the borrower. EFT Electronic funds 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) INTEREST REVENUE YIELD (APR) Interest revenue recognised in the relevant period, divided by the average loan book balance for the same period, expressed as a percentage INTEREST EXPENSE / AVERAGE LOAN BOOK Interest expense payable on borrowings supporting the loan books recognised in the relevant period, divided by the average loan book balance for the same period, expressed as a percentage NET INTEREST MARGIN (NIM) [ Interest revenue yield (APR) ] less [ Interest expense / average loan book ], expressed as a percentage QUICKFEE / FINANCE/ 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 in full to the merchant with or without taking out a payment plan REVENUE YIELD Revenue recognised in accordance with QuickFee’s accounting standards, 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. TRANSACTIONS IN QUARTER The aggregate number of completed Pay Now transactions and new Finance loans (payment plans) originated in the relevant quarter. 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 2026 quarter is the December 2025 quarter 21 July 2026 AU operational metrics: Q4 FY26 & FY26 www.quickfee.com 19 21 July 2026 US operational metrics: Q4 FY26 & FY26 www.quickfee.com 20 21 July 2026 AU & US Finance revenue: Q4 FY26 & FY26 www.quickfee.com 21 AUSTRALIA US 21 July 2026