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What our customers say

★★★★★ 4.9  ·  254 reviews across Google and Xero

JJamie EmmsReviewed on Google
G
★★★★★

“The FundTap setup process was the easiest I have ever done, and the website is super easy to work with. Each loan is simple, quick and hassle free.”

MMark PettsReviewed on Xero
X
★★★★★

“This process is quick and easy and fits our business model really well. Highly recommended to have a look at this.”

DDennis ChiketaReviewed on Google
G
★★★★★

“Dealing with FundTap was a really easy process. Really happy with their service and would recommend anyone.”

TTrust ContractorsReviewed on Xero
X
★★★★★

“Really great service and quick payment. They really help take the edge off when waiting for clients to pay.”

JJoanna GratkowskiReviewed on Google
G
★★★★★

“Fantastic to deal with, very easy and straightforward process and the team members are great to deal with. 10/10.”

SSiva KunchalaReviewed on Google
G
★★★★★

“FundTap is a great tool every business should try. It has been such a positive experience working with the team!”

How much could I unlock?

weeks
Unlock My Cashflow
We cannot fund invoices for greater than 12 weeks.

You can get $0 in your bank account in hours.

How does it work?

When your customer pays your invoice of $1,000, we then direct debit your account for the advance of $900 plus the fee, in this case $52, leaving you the remaining $48.

What if my customer doesn't pay?

We know for many businesses, their customers do not pay on time. 2 days before we direct debit your account, we send an email reminder. You can then change this direct debit date if needed.

Estimate only. Actual fees can vary by industry and may differ for manual upload clients (those not connected to accounting software). Your exact fee is always quoted before you accept funding.

What happens after you click Get Started.

Sign up takes about 10 minutes. Here's the flow.

  1. 1
    Connect your accounting software

    Takes about 3 minutes. Works with Xero, MYOB, QuickBooks, or Reckon. Read-only access; we make no changes to your accounts.

  2. 2
    We see your unpaid invoices

    FundTap reads your accounts receivable. Nothing is changed in your accounting software.

  3. 3
    Select the invoice you want funded

    One invoice or several. Your choice each time. No minimum frequency, no minimum volume.

  4. 4
    Get paid today

    Typically funded same business day for invoices submitted before the daily cut-off.

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.

View a Demo

No monthly subscription fees.

Pay only when you fund an invoice, 4–6% per invoice. 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.

Start My Free Funding Estimate

How does FundTap help you grow?

33% Growth – The average growth in revenue for FundTap customers in FY2026.

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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.

Uncap your growth

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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Signup in minutes to unlock your cashflow.

See How Fast You Can Get Paid

Write your own FundTap success story.

Join 200+ Aussie and Kiwi businesses who've unlocked growth with us.

Tell us about your FundTap experience

 

In short: FundTap is invoice finance for small businesses in New Zealand and Australia. Get cash against your unpaid invoices in hours, with no new debt, no minimums and no lock-ins, and your customers keep paying you directly.

Frequently asked questions

What is FundTap?

FundTap is invoice finance for small businesses in New Zealand and Australia. It advances cash against your unpaid invoices, often within hours, so you get paid now instead of waiting 30 to 60 days.

Is FundTap a loan?

No, FundTap is not a traditional loan. You are accessing money you have already earned and invoiced, so no new debt sits on your books, and the advance is repaid automatically when your customer pays.

How much does FundTap cost?

A flat fee of 4 to 6% per invoice depending on how long the invoice takes to be paid, shown in full before you confirm. There are no minimums, no lock-ins and no monthly fees.

Will my customers know I am using FundTap?

No. FundTap is confidential and selective. You choose which invoices to fund and your customers keep paying you directly. It is invoice finance, not factoring, so there is no whole-ledger commitment and no debtor contact.

How fast can I get funded?

Often the same business day. Connect your accounting software (Xero, MYOB, QuickBooks or Reckon), choose an invoice, see the exact cost up front, and receive funds in hours.

Who is FundTap for?

Small and medium businesses in New Zealand and Australia that invoice other businesses and want to bridge the gap while waiting 30 to 60 days to be paid.

FundTap provides invoice finance for small businesses across Australia and New Zealand. FundTap is the trading name of Seascape (2010) Limited, 255 Hardy Street, Nelson 7010. Our Australian business number (ABN) is 47914654579 and our New Zealand business number (NZBN) is 9429031726887.
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FundTap provides invoice finance for small businesses in Australia and New Zealand. Australia: +61 1800 595 505 New Zealand: +64 800 88 33 55 Email: info@fundtap.co Address: 255 Hardy Street, Nelson 7010, New Zealand ABN: 47914654579 NZBN: 9429031726887
FundTap provides invoice finance for small businesses in Australia and New Zealand. Australia: +61 1800 595 505 New Zealand: +64 800 88 33 55 Email: info@fundtap.co Address: 255 Hardy Street, Nelson 7010, New Zealand ABN: 47914654579 NZBN: 9429031726887