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Brenda Gunn
Posted on Google
6 Aug 2026
Fantastic to deal with, great communication and there to support when needed. Thank you.
Get paid today. Not on the 20th.
FundTap turns your unpaid invoices into cash, the same day.
4.9 250+ reviews
Works with your accounting software
You stay in control
You pick which invoice to bring forward.
Choose one, several, or none at all. See the fee before you confirm.
Your unpaid invoices
synced
synced
$12,400
$38,889
In your bank today
$35,000
Same-day funding
Watch the money land.
Once approved, FundTap funds it the same day. Meet costs, take opportunities and keep moving, instead of waiting out someone else's payment cycle.
What our customers say.
4.9 250+ reviews
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Wade Keys
Posted on Google
6 Aug 2026
Great facility to have access to. We were onboarded by James, who was very helpful.
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Awsam Gifts Ltd
Posted on Google
4 Aug 2026
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!
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Loaded Candy
Posted on Google
4 Aug 2026
Great communication, clear terms and funding in 24 hours from invoice submission! Supports us in growing our business as we navigate cash intensive projects!
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Laura Keil-Hall
Posted on Google
4 Aug 2026
Easy, simple and seamless application process. The team are very helpful and understanding.
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Tony Raoren
Posted on Google
28 Jul 2026
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.
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Pranav Meelu
Posted on the Xero App Store
24 Jul 2026
They have been seamless and friendly to work with.
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Ben Newsome
Posted on the Xero App Store
17 Jul 2026
Highly professional team and very easy to use service.
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Jhonatan Angello
Posted on Google
5 Jul 2026
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.
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Jonah Poloa
Posted on Google
25 Jun 2026
Great service and quick response time, professional staff.
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Curtis Winsor
Posted on Google
25 Jun 2026
Easy to use and super helpful.
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Siva Kunchala
Posted on Google
5 Jun 2026
FundTap is a great tool every business should try. It has been such a positive experience working with the team!
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Jamie Emms
Posted on Google
5 Jun 2026
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.
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Mark Watson
Posted on Google
28 May 2026
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!
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Ryan Sankey
Posted on the Xero App Store
13 May 2026
Love this service. It really helps with our cashflow when our clients are slow to pay.
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Mark Petts
Posted on the Xero App Store
11 May 2026
This process is quick and easy and fits our business model really well. Highly recommended to have a look at this.
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Trust Contractors
Posted on the Xero App Store
11 May 2026
Really great service and quick payment. They really help take the edge off when waiting for clients to pay.
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Paulo Summers
Posted on Google
8 Feb 2026
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.
K
Kylie Sayer
Posted on Google
4 Dec 2025
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!
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Marina Davis
Posted on Google
22 Oct 2025
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!
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Lawson
Posted on the Xero App Store
12 Jun 2025
Very easy to deal with, process was very quick.
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Jack Dunn
Posted on the Xero App Store
8 May 2025
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.
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Ben Sharp
Posted on the Xero App Store
10 Apr 2025
Cash is King!! This service has been just what we needed.
In short
What is FundTap, and how does invoice finance work?
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
Why FundTap
Funding that fits how a business actually runs.
No minimum, no lock-in
Fund one invoice, several, or none at all. Stop any time, with nothing owing.
See the fee before you commit
One flat fee from 4% per invoice, worked out for that invoice and quoted in full before you confirm.
Your clients are never contacted
Your customer pays you, into your own account, on the terms you already agreed. Nothing at their end changes.
Your limit grows as you do
It costs nothing to have one sitting there, and once an invoice is repaid the limit is ready again straight away.
Does this actually apply to a business like mine?
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.
People & staffing
Wages due before the client pays
Built for growing businesses
The typical FundTap customer invoices 28% more a year later.
Median annual invoicing growth across FundTap customers. Measured July 2026.
How it works
Get funded in four steps.
Step 1
Connect your software
Registration takes about 10 minutes. A secure connection to Xero, MYOB, QuickBooks or Reckon, and you can disconnect any time.
Step 2
Pick the invoice
Your unpaid invoices appear in the portal. Choose one, several, or none.
Step 3
See the fee
The exact fee, calculated for that invoice and shown before you confirm. No surprises.
Step 4
Get funded
Once approved, FundTap funds it the same day. Repayment is automatic on the invoice due date.
How it compares
One invoice at a time. No lock-in.
FundTap funds one invoice you choose, not everything you're owed. No lock-in, no ongoing commitment.
FundTapOnline invoice financeTraditional factoring
Easy to establish
Online and mobile
Links to your accounting system
Application approvalTypically same day48 hours +2 weeks +
Quick fundingSame dayDaysDays
No establishment fees
No admin or system fees
Your customer pays into your normal account
Use only when needed, without penalty
What it costs
Pricing that hands you the control.
One flat fee per invoice you fund. There's no fee for setting the account up, holding it, or closing it.
Approved funding limit
$0while it sits there
- No establishment fees
- No monthly service charges
- No break fees
- No minimum, no lock-in
When you fund an invoice
4%from, per invoice
- Up to 90% in your bank, funded same day once approved
- Quoted before you confirm
- No early repayment penalty
- You choose which invoice, how long, and how much
Questions
What people ask before they start.
Will you contact my clients? Will they know?
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.
What am I locked into?
Nothing. No minimum. No lock-in. No ongoing commitment. Choose one invoice, several, or none at all, and stop any time with nothing owing.
What does it cost?
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.
What happens on the due date, and what if it is tight?
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.
Is the funding limit enough?
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.
Is this a loan?
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.
Talk to a human
Rather ask first?
Our Nelson-based team, not a call centre.
Reviewed by Matt Peacey PhD, Founder and CEO