FundTap turns your unpaid invoices into cash, the same day.
4.9 250+ reviews
You stay in control
Choose one, several, or none at all. See the fee before you confirm.
synced
Same-day funding
Once approved, FundTap funds it the same day. Meet costs, take opportunities and keep moving, instead of waiting out someone else's payment cycle.
4.9 250+ reviews
Waiting over 30 days for every payment puts a real restraint on our business, FundTap have provided the perfect solution. Process was quick and friendly - highly recommended
Fantastic to deal with, great communication and there to support when needed. Thank you.
Great facility to have access to. We were onboarded by James, who was very helpful.
Brilliant service, excellent rates and integrates seamlessly with my Xero, a pleasure to use. James Le Brun went above and beyond to help me get set up, thank you!
Great communication, clear terms and funding in 24 hours from invoice submission! Supports us in growing our business as we navigate cash intensive projects!
Easy, simple and seamless application process. The team are very helpful and understanding.
FundTap has been a game changer for my business and has taken a lot of stress off waiting for invoices to be paid. I wish I found them sooner. Definitely recommend their service.
They have been seamless and friendly to work with.
Highly professional team and very easy to use service.
FundTap provided a straightforward and professional experience throughout the funding process. Communication was clear, the team was responsive, and the process was efficient from start to finish. I appreciated the transparency and support provided along the way. I would recommend FundTap to other businesses looking for a simple and reliable funding solution.
Great service and quick response time, professional staff.
Easy to use and super helpful.
FundTap is a great tool every business should try. It has been such a positive experience working with the team!
The FundTap setup process was the easiest I've ever done, and the website is super easy to work with. Each loan is simple, quick and hassle free.
Very easy to set up and gain funding for my first invoice. FundTap were on it even on a Friday evening and I received funding as agreed. Great communication and support all the way through - highly recommend FundTap!
Love this service. It really helps with our cashflow when our clients are slow to pay.
This process is quick and easy and fits our business model really well. Highly recommended to have a look at this.
Really great service and quick payment. They really help take the edge off when waiting for clients to pay.
Quick and easy process. Great communication, especially when the invoices did not fit a standard format, they applied common sense and did not delay any processing. Highly recommend for when you need a stop-gap measure.
Outstanding customer service. Easy process and super fast payment. Highly recommend signing up with FundTap. Being able to have access to funds now while waiting for payment took the pressure off. Thanks team!
FundTap has truly solved a pain point I have faced since starting my business. I am both relieved and excited about the potential it has unlocked. Thank you so much!
Very easy to deal with, process was very quick.
Easy to talk to and very helpful. I like having the backup when I need it; they made it so very easy to set up. 100% great customer service.
Cash is King!! This service has been just what we needed.
Small businesses in New Zealand and Australia invoice on terms, then wait 30 to 60 days to be paid. FundTap brings that money forward: pick any unpaid invoice from Xero, MYOB, QuickBooks or Reckon and see the exact fee first. FundTap funds up to 90% the same day once approved, for one flat fee from 4%. A limit costs nothing while it sits unused, no lock-in, and your customers are never contacted.
Last reviewed 11 August 2026
Fund one invoice, several, or none at all. Stop any time, with nothing owing.
One flat fee from 4% per invoice, worked out for that invoice and quoted in full before you confirm.
Your customer pays you, into your own account, on the terms you already agreed. Nothing at their end changes.
It costs nothing to have one sitting there, and once an invoice is repaid the limit is ready again straight away.
If your business is actively trading in New Zealand or Australia and invoices its customers on terms, you can use FundTap. Your customers can be other businesses or consumers. Most of what we fund is due within 60 days. Longer terms are looked at individually.
Wages due before the client pays
Built for growing businesses
Median annual invoicing growth across FundTap customers. Measured July 2026.
How it works
Registration takes about 10 minutes. A secure connection to Xero, MYOB, QuickBooks or Reckon, and you can disconnect any time.
Your unpaid invoices appear in the portal. Choose one, several, or none.
The exact fee, calculated for that invoice and shown before you confirm. No surprises.
Once approved, FundTap funds it the same day. Repayment is automatic on the invoice due date.
How it compares
FundTap funds one invoice you choose, not everything you're owed. No lock-in, no ongoing commitment.
What it costs
One flat fee per invoice you fund. There's no fee for setting the account up, holding it, or closing it.
Approved funding limit
When you fund an invoice
Questions
Your clients are never contacted by FundTap. Your customer pays your invoice to you, into your own account, on the terms you already agreed. There is nothing at their end to sign or change, and you stay in charge of the relationship.
Nothing. No minimum. No lock-in. No ongoing commitment. Choose one invoice, several, or none at all, and stop any time with nothing owing.
One flat fee per invoice, from 4%, quoted in full before you confirm. It is worked out for that invoice and the number of days until it is due. On a $4,500 invoice that is $4,050 in your account today for a flat fee of $180. There is no fee for setting the account up, holding it, or closing it.
Repayment is automatic on the invoice due date, by direct debit from your own account, so there is nothing for you to do on the day. If it is going to be tight, you can move the date yourself in the portal by five working days, or tell the team.
Your first limit reflects where your business is now, and limits grow as you do. It costs nothing to have one sitting there, and once an invoice is repaid the limit is ready again straight away, with no reapplying.
Your invoice, money you’re already owed, brought forward on your own timing. You choose which invoice and when, for one flat fee, and repayment happens automatically when that invoice falls due.
Our Nelson-based team, not a call centre.
Reviewed by Matt Peacey PhD, Founder and CEO