Who is Fuelled?

Fuelled is Xero’s first alternate lending partner in New Zealand, backed by Heartland Bank.

We are New Zealand owned, operated and run by a group of industry champions who are dedicated to helping New Zealand businesses succeed.

By providing a service that keeps up with the pace that our customers work at, we proudly support their opportunities to thrive in business.


Our Story

Listen to Trent Fulcher talk about the partnerships Fuelled has with Heartland Bank and Xero, along with the cash flow need, Fuelled addresses for businesses. 

Listen to Tapio Sorsa talk about how Fuelled built a seamless customer experience, and the technology that was implemented to achieve it.

The Journey 

At Fuelled we know that owning a small business can be liberating and deeply satisfying but it can also be tough; there’s a lot to juggle and a lot at stake. Having the ability to forecast and manage cash flow is critical for success, especially when you are at the mercy of big company payment terms.

At a time when businesses should be concentrating on growing, they are often worrying about sporadic income and ongoing expenditure.

Our Fuelled journey started when co-founders Trent Fulcher and Tapio Sorsa saw a need to help New Zealand businesses better manage their cash flow, allowing them to thrive. With a background in finance, they identified that many businesses were struggling to succeed because traditional forms of lending didn’t move at the same fast pace they needed to remain competitive.

So began the process of piecing together the best solution to tackle this need.  Over many late evenings the idea of taking what traditional factoring companies were doing and turning it on its head became a passion.  Trent and Tapio started expanding the Fuelled story by bringing in skill sets held by industry leading champions to round out the capabilities.  The team started to grow and Fuelled began to take shape.  The product and integration evolved and homes became covered in post it notes as processes developed.

Partnering with Xero and Heartland Bank allowed us to complete the delivery of an online lending system that provides quick and easy access to cash without the hassle of meetings and lots of paperwork. Our clients can simply link their Xero account to the Fuelled app and select outstanding invoices for funding. The connection between Xero and Fuelled removes the need for a manual process or paperwork, essentially saving you time.

Here at Fuelled we work hard to ensure our clients feel confident and satisfied with our service. There’s always a real person to chat with and we go the extra mile to add value to their experience.

Whether you are a fast-growing business or an established enterprise, Fuelled is designed to make your cash ‘flow’.

To find out more about the Fuelled Journey check out our Blog.

The Team

Tapio Sorsa

Co-Founder, CEO

Tapio is an IT and Financial Services leader with experience in IT Practice Management, Consulting and Banking. His previous roles were at Kiwibank, Microsoft, Fronde and Oracle. Tapio is highly proficient in product development, operations, governance and IT strategy.

A passionate and driven individual who thrives in an environment that values achievement, accountability, transparency and teamwork.


Trent Fulcher

Co-Founder, Strategic Partnerships

Strategy and finance background in Retail/ SME Banking, Invoice Finance, Corporate Banking and Wealth Management.

Management roles at Kiwibank, Royal Bank of Scotland, and PriceWaterhouseCoopers. Started and grew IT consulting firm to over USD$1,000,000 in billings and 25 project staff after the third full year.


Donna Sorsa

Operations & Product Development

After many years of working as a Business Analyst in Education, Telecommunications, Security, Financial Services, Utilities and Transport, Donna has joined the Fuelled Team with a focus on Operations, Process & Product Development and Customer Experience. Donna’s experience in Business Process Design, Requirements Gathering, IT Service Management and Recruitment has provided her the skills required in the exciting new space of Financial Web.


Nick Hough

Credit Managment

Nick has joined the Fuelled Team with 34 years’ experience in the banking industry, having previously worked for The National Bank, ANZ and Kiwibank. Roles have covered the full gamut of banking from retail home lending, commercial and business relationship banking, credit risk management and process improvement. Nick’s lending experience will assist Fuelled in its support of customer’s business cash flow.


Joanna Schott

Content Marketing

Jo’s passion for content marketing stems from a background in public relations, writing and editing, relationship management and financial management. Previous positions at Microsoft, The Correspondence School, London Zoological Association and Telecom New Zealand provide Jo with an approach to content marketing that drives relevant and insightful information to the users of the Financial Web.


Crissie Jamieson


BA / LLB (hons)
Crissie is a commercial lawyer with many years of experience in the financial sector including accounts and payroll.  She has joined the Fuelled team to manage the finance department.


David Morgan CA

Financial Analytic Development

Dave is an experienced and well proven financial services professional with depth in leading and developing analytics, financial and credit modelling solutions and has implemented these at many global sites. As a CA he sees the value and beauty of cloud-based accounting and funding software and solutions.


Gavin Griffth-Jones

Architecture & Technology

Gavin has worked in IT for over ten years, holding a variety of roles as application architect and software developer. His working career has taken him around the world where he has had the opportunity to work as a consultant with both large multinational consultancies as well as smaller local agencies. Previous roles and contracts with NZ Customs, FNZ, Contact Energy, MoJ and Deloitte.


Contact Us

Getting in touch with someone from Fuelled is easy.

We have Live Chat available online. You’ll find the chat icon on the bottom right hand corner of each page. You can also call the Fuelled team on 04-889-3606 or send us a message by using the contact form here.

Business hours are Monday to Friday, 9 am to 5 pm. If you need help outside those hours, we’re available for chat messages from 8 am to 8 pm.  Alternatively you can leave your email address on chat and we’ll contact you first thing the following business day.

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