QUICKFEE LIMITED — Interim / Quarterly Report 2026

Apr 20, 2026

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QUICKFEE Q3 FY26 BUSINESS UPDATE

21 April 2026 Chief Executive Officer, Bruce Coombes

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Q3 FY26 Results Overview Underlying revenue down 9% on pcp, strong growth in AU legal

Q3 FY26 PERFORMANCE2	Q3 FY26	Q3 FY25	MOVEMENT
REVENUE
US FINANCE(PAY OVER TIME)	US$ 0.5 M	US$0.9 M	-44%
US PAY NOW (ACH & CARD) vs reported pcp	-	US$ 1.2 M	n/a
AU FINANCE(PAY OVER TIME)	A$ 2.9 M	A$2.6 M	+12%
GROUP REVENUE vs. REPORTED PCP	A$ 4.0 M	A$ 6.3 M	-37%
GROUP REVENUE vs. NORMALISED PCP1	A$ 4.0 M	A$ 4.4 M	-9%
TOTAL TRANSACTION VALUES(TTV)
US FINANCE(PAY OVER TIME)	US$ 4.6 M	US$7.6 M	-39%
AU FINANCE(PAY OVER TIME)	A$ 14.7 M	A$14.1 M	+4%

• GROUP REVENUE OF $4.0M

• EBTDA POSITIVE IN Q3 FY26

A$1.9M A$4.4M A$4.0M*

Q3 FY25 Q3 FY26

• REVENUE FROM SOLD PRODUCTS ** ONGOING REVENUE

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EARNINGS GUIDANCE FY26 EBTDA in the range of $3.75 - $4.25 million[3]

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1 “Normalised PCP” - Q3 FY25 has been restated/normalised to remove revenue from US Pay Now (US ACH, Card and Connect products), which was sold in September 2025. www.quickfee.com 2 Q3 FY26 financial results are unaudited 3 Excluding any accounting profit recorded on the sale of the US Pay Now business.

21 April 2026

1

Q3 FY26 Highlights

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Quarterly revenue of A$4.0m, down 9% on normalised pcp (excluding US Pay Now)

• • AU Finance revenue up 12% on pcp to A$2.9m
• • US Finance revenue down 44% on pcp to US$0.5m, primarily due to a strong Q3 FY25

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Continued growth in disbursement funding (DF) to 42% of AU loan book

• • DF total transaction value (TTV) up 23% on pcp to A$2.7m
• • Fee Funding TTV in Australia flat on pcp at $12m
• • Recent new DF firm sign-ups are expected to deliver approximately A$10 million of DF originations in their first 12 months.

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Stronger net interest margin of 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

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Confirm guidance of FY26 EBTDA in the range of A$3.75m - A$4.25m

• • Strong start to TTV volumes in April
• • Growth potential in Aiwyn reseller volumes in the US

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www.quickfee.com

21 April 2026

2

QuickFee helps professional services firms accelerate collection of accounts receivable, get paid faster and grow their business.

WE HELP FIRMS

OUR SOLUTIONS

B2B FINANCE

TRUSTED FOR PAYMENTS AND FINANCING SOLUTIONS SINCE 2009:

Pay Now | EFT + Card(AU only)

• • Designed specifically for professional service firms

Reduce A/R

A/R typically runs high for firms, and we can help turn that A/R into cash

Secure digital payments platform for accounting and professional service firms

PROFESSIONAL SERVICES 700+ FIRMS CURRENTLY FINANCED WORLDWIDE OVER LOANS ORIGINATED SINCE INCEPTION $750M

• • No invoice maximum for QuickFee Finance

Grow the Business

Pay Over Time | QuickFee Finance

There are many priorities competing for cash, and we help find more of it for firms and their clients

• Finance + Finance product is B2B Exclusive invoice and fee only, no consumer credit financing for clients to pay regulations over 3,6,9 or 12-months

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Disbursement funding

TARGET MARKET: PROFESSIONAL SERVICES FIRMS OVER $1M IN ANNUAL REVENUE

Helping law firms pay disbursements related to personal injury and disputed estates matters

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www.quickfee.com

21 April 2026

3

Targeting Accounting and Legal verticals

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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)

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• • 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

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• • 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

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www.quickfee.com

21 April 2026

4

Growth capacity of $17.5m to fund future loan book

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• • Around 42% of AU loan book in disbursement funding (DF)
• • Decrease in US loan book, primarily reflecting Q3 as weak lending quarter
• • BNPL book now in run-off
• • Total liquidity of A$13.1 million at 31 March 2026, comprising $9.4 million unrestricted cash on hand and A$3.7 million in immediately available funds based on current loan receivables
• • Further borrowing growth capacity of a further A$17.5 million to fund future loan book growth
• • Debt facility has further expansion ‘accordion’ of A$20 million and US$15 million

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www.quickfee.com

21 April 2026 5

Stronger net interest margin of 15.3%

GROUP NET INTEREST MARGIN % (ROLLING LAST 12 MONTHS)

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15.3%
15.0%
14.8%
14.6% 14.6%
14.4%
14.1%
13.7%
13.3% 13.3%
13.0%
Q1 FY24 Q2 FY24 Q3 FY24 Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26
LTM NIM
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• Q3 FY26 revenue down 9% on normalised pcp

• Group NIM increasing steadily over time to 15.3% in Q3 FY26, with low volatility on a quarterly basis

• Future bank rate increases could impact NIM, as they are not usually immediately reflected in rates charged + Reflects high-margin, low-risk business model

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www.quickfee.com

21 April 2026 6

AUSTRALIA: STRONG GROWTH IN LEGAL

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AU: Q3 FY26 Finance revenue up 12% on pcp

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• • AU Finance revenue up 12% on pcp to A$2.9 million (Q3 FY25: A$2.6 million)
• • AU Finance TTV up 4% on pcp
• • Finance revenue yield up 70 bps on pcp to 19.7%, primarily due to growth in legal disbursement funding book, now at 42% of total AU book
• • No credit losses in quarter

	Q3 FY26	Q3 FY25
# of Finance payment plans up 14%	2,735	2,394

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AU FINANCE REVENUE (A$000s)
2,998
2,857 2,925 2,901
2,651 2,703 2,682
Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26
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AU FINANCE TTV (A$M)
17.9
16.1
15.6 15.6
15.0 14.7
14.1
Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26
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www.quickfee.com

21 April 2026

8

UNITED STATES: FOCUS ON RESELLER CHANNEL

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US: Q3 FY26 Finance revenue down 44% on pcp

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• • US Finance TTV down 39% on pcp to US$4.6 million; Finance revenue down 44% on pcp to US$0.5 million (Q3 FY25: US$0.9 million)
• • Green shoots of growth potential in Aiwyn reseller volumes
• • 3 staff in the US; 11 years’ combined QuickFee experience
• • No credit losses in quarter

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US FINANCE REVENUE (US$000s)
903
739
708
659
551 565
528
Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26
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US FINANCE TTV (US$M)
10.0
7.6
6.7
6.3
4.8 4.8 4.6
Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26
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www.quickfee.com

21 April 2026

10

OUTLOOK

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Outlook

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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

Dividends

• • Expected final FY26 dividend
• • Expected special dividend of approximately 1c per share in Q4 CY26 from the balance of sale proceeds

Continue to consider other potential inorganic opportunities

Expected FY26 EBTDA in the range of $3.75 - $4.25 million (before profit on sale)

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www.quickfee.com

21 April 2026

12

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

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CONTACT DETAILS Simon Yeandle, CFO

p: +61 2 8090 7700 e: simon.yeandle@quickfee.com p: +61 455 502 197 e: kmackenzie@belleviewir.com.au

Katie Mackenzie, Investor Relations

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https://investorhub.quickfee.com/link/PqdnOr

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 April 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

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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.

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APPENDIX

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Glossary

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
CONNECT	QuickFee’s product name for its point-of-payment integration, e-invoicing, automated collections and receivables management product
CUSTOMER / CLIENT	The customer of a merchant, who will use one of QuickFee’s payment options to pay their invoice
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
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
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

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www.quickfee.com

21 January 2026

16

AU operational metrics: Q3 FY26 & FY26 YTD

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www.quickfee.com

21 April 2026

17

US operational metrics: Q3 FY26 & FY26 YTD

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www.quickfee.com

21 April 2026

18

AU & US Finance revenue: Q3 FY26 & FY26 YTD

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AUSTRALIA

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US

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www.quickfee.com

21 April 2026

19