How quickly can I get funded with FundTap?

Funds are deposited into your bank account within hours of selecting your invoices. Setup takes 5-10 minutes.

Will my customers know I am using FundTap?

No. Your customers pay you as they normally would. FundTap does not contact your customers or change your payment process.

Is there a minimum invoice size?

No. FundTap has no minimum invoice amount. You can fund a single invoice of any size.

What accounting software does FundTap work with?

FundTap integrates with Xero, MYOB, QuickBooks, and Reckon with real-time sync.

Invoice Finance for NZ + AU SMEs

Q: What is invoice finance?

Invoice finance lets you access cash from unpaid invoices immediately rather than waiting 30-90 days. FundTap advances the value of your invoice within hours.

FundTap is rated 4.9★ across Google (117 reviews) and Xero App Marketplace (107 reviews) by small businesses in Australia and New Zealand.

Sarah H

YUM Foods

“We love the convenience and accessibility of FundTap. It’s simple which is really nice and has enabled us to do things we wouldn’t otherwise.”

Matt E

Graffic

“FundTap gives me added control over this and is incredibly efficient and easy to use. Highly recommended!”

Stuart W

Gralich Compliance Management

“Excellent service. Easy to connect and get started, great communication from the team without being pushy.”

Gary M

NYA Cake Guys

“They took the time to understand our unique business requirements, without being pushy, great service.”

Glenn D

e3 Scientific

“Great service with a professional team. FundTap does a great job at plugging the gap for small businesses and providing confidence to make decisions regarding business growth.”

No minimum draw volume. No lock-in. Typically funded same business day.

Sign up in 10 minutes. Once your accounting software is connected, we typically fund eligible invoices the same business day.

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No monthly subscription fees.

Pay only when you fund an invoice — per-invoice fee from 4%. No setup fees, no early-repayment fees, no monthly charges.

Get started
in minutes.

Connect your Accounting software with us, and you’re ready to go.

Get Started

How does FundTap help you grow?

54% Growth – The average growth in revenue for FundTap customers over the last 2 years.

Cover Payroll
Pay for materials
Invest in growth

No minimums. No lock-ins. No monthly fees. Pay only for the funding you use -and get it within hours.

Timing gaps are usually a timing problem, not a business problem.

How it works

Step

Connect Your accounting software

Step

Select Your Invoice(s)

Step

Receive Cash Within Hours

Step

Repayment is Automated

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Our trusted partners

FundTap integrates directly with Xero, MYOB, QuickBooks, and Reckon with real-time sync - no manual data entry.

"Your invoice is money you have already earned."

— FundTap

Keen to learn more?

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Frequently asked questions

What is invoice finance?

Invoice finance lets you access cash from unpaid invoices today, instead of waiting 30 to 60 days for your customer to pay. It isn't a loan and isn't debt on your balance sheet — you're just getting paid for work you've already done, sooner. Your customer keeps paying on their normal terms.

Is FundTap a loan?

No. FundTap is invoice finance, not a loan. We advance the value of your invoice, then your customer's payment clears the advance when it lands. There's no debt added to your balance sheet, no interest accruing, and no fixed repayment schedule.

How quickly can I get funded?

Setup takes 5–10 minutes. Once your account is verified, funds are deposited into your bank account within hours of selecting an invoice — not days, not weeks.

Who is FundTap for?

FundTap is built for small and medium businesses in New Zealand and Australia that invoice on terms and wait to be paid. Trades and contractors, transport and logistics, recruitment and labour hire, professional services, wholesale and distribution, field services, creative and agency work, and construction.

How much does FundTap cost?

FundTap charges a single transparent fee per invoice from 4%, with no setup fees, no monthly fees, and no lock-ins. You only pay when you fund an invoice.

Does FundTap work with Xero, MYOB and QuickBooks?

Yes. FundTap connects to Xero, MYOB and QuickBooks with real-time sync. Your invoices appear in FundTap automatically as you raise them — you choose which to fund.

Is FundTap available in New Zealand and Australia?

Yes. FundTap operates in both New Zealand and Australia. Australian customers see fees and funding in AUD; New Zealand customers see fees and funding in NZD.

Will my customers know I'm using FundTap?

No. Your customers pay you on their normal terms, the same way they always have. FundTap doesn't contact them or change your invoicing process.

What's the difference between invoice finance and an overdraft?

An overdraft is a credit limit set by your bank that adds debt to your balance sheet. Invoice finance is an advance against money your customers already owe you — no debt, no fixed limit, scales with the invoices you raise. Many businesses use both. See the full comparison.

On-demand invoice finance for Australian and New Zealand small businesses.

What is FundTap?