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Your first $10,000 of business funding.
The fees are on us.
Start your application — about 3 minutes
For new Fundtap customers in NZ & Australia. First funding must be paid out by 30 June 2026. Subject to approval and T&Cs.
Cashflow problems are usually a timing problem. Not a business problem.
You've done the work. You've sent the invoice. You shouldn't be waiting 60 days to be paid.
The squeeze right now.
Fuel costs are climbing. Payment terms are creeping out — 30, 45, sometimes 60 days. From 1 July, Australia's super guarantee shifts up again, landing the same month as the wages you've already paid for work clients haven't paid you for. The maths catches good businesses out: you're funding everyone else's business while you wait to be paid for your own.
"You've already earned the money. You shouldn't be waiting 60 days for it."
The way through.
What invoice finance is.
Invoice finance turns unpaid invoices into cash 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, and they don't need to know you funded the invoice.
How Fundtap works.
Step 1
Connect your accounting software
Xero, MYOB, or QuickBooks. Takes a couple of minutes.
Step 2
Pick the invoice you want funded
No lock-in, no minimums. You choose, one at a time.
Step 3
Funded within hours
Money in your account the same day. Repayment is automated when your customer pays.
Fundtap is a New Zealand-owned business serving SMEs across NZ and Australia, registered against NZBN and ABN, funded by Fundtap rather than by your customer.
THE OFFER
Your first $10,000 of business funding.
The fees are on us.
A new programme with our broker partners across NZ & Australia. Get your first funding through Fundtap and we'll cover the fees — a one-off NZD $700 credit, designed to cover the fees on around $10,000 of funding for most businesses.
Start your application — about 3 minutes
For new Fundtap customers in NZ & Australia referred by a Fundtap partner broker. First funding must be paid out by 30 June 2026. Subject to approval and T&Cs.
Built for businesses that invoice and wait.
If you do the work, send the invoice, and wait 30, 45 or 60 days to be paid — this is for you.
- ✓Trades & contractors
- ✓Transport, logistics & delivery
- ✓Construction
- ✓Recruitment & labour hire
- ✓Professional services
- ✓Wholesale & distribution
- ✓Field services & installers
- ✓Creative & agency work
∼21%
Annual growth for Fundtap customers. The NZ & Australia SME average is 3–5%.
"We funded a single invoice through Fundtap to take on a job that would have been impossible otherwise. It's now one of our biggest accounts."
"Connect Xero, choose the invoice, get paid. That's actually it."
Plus partner brokers across New Zealand and Australia.
The fine print, in plain English.
New Fundtap customers in NZ & Australia who are referred by one of our broker partners. If you have created a Fundtap account or started an application before but haven't yet been funded, you're still eligible.
We apply a one-off NZD $700 credit to the Fundtap fees on your first funding. For most customers, that's enough to cover the fees on around $10,000 of funding. The credit applies to your first funding payout only.
The unused part of the credit isn't paid out, refunded or carried forward — it just expires. For most customers funding up to $10,000, the fees and the credit roughly match.
You pay the difference. This can happen for construction work, larger funding amounts, or invoices that take longer to be paid.
No. All funding is subject to Fundtap's normal application, verification and approval. The programme doesn't change those.
Your first funding has to be paid out by 30 June 2026. Apply with plenty of time before that — approval and verification take a little while.
Right here. Worth a read before you apply.
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Ready to close the gap?
Start your application now and we'll guide you through. About three minutes from connect to submitted.
$10,000 of business funding with fees on us is provided as a one-off NZD $700 credit applied to fees on your first Fundtap funding. For new Fundtap customers in NZ & Australia referred by a Fundtap partner broker. First funding must be paid out by 30 June 2026. Subject to approval and full T&Cs.