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 out of 5 by small business customers across 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 minimums. No lock-ins. Funded in hours.

It’s quick and easy to sign up, and once that’s done you can get invoices funded in hours.

View a Demo

No more
monthly fees.

With Fundtap, you only pay when you use us. No long term repayments. Only one simple, transparent fee.

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.

Cashflow problems 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

Try A Demo Watch A Demo

Our trusted partners

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

“Fundtap is like a lifeline to your business. It’s a fantastic boost that will get you to your next step.”

- Glassforce

Keen to learn more?

Check out our latest articles & resources.

Invoice Finance Costs, Fees and Risks Explained in Plain English

TL;DR: Invoice finance lets businesses access cash tied up in unpaid invoices without waiting for customers to pay. This guide...

Learn more

How Much Does Fundtap Cost?

TL;DR: This guide covers key insights to help Australian and New Zealand small businesses make better financial decisions and manage...

Learn more

Managing Cash Flow in the Freight and Logistics Industry

TL;DR: Cash flow management is one of the biggest challenges for small businesses. This guide covers practical strategies to improve...

Learn more

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?