Finally a partner who understands small business - FundTap is super easy and efficient to work with
What our customers say.
What do customers say about FundTap?
FundTap has 307 reviews across Google and the Xero App Store, averaging 4.9 out of 5. The three things customers mention most are how quickly the money lands, that the fee is quoted before they commit, and that there is no lock-in. The most recent was posted in October 2026.
Last reviewed 19 October 2026
Trusted by businesses since 2010.
Super easy service to set up. Handy to have to cover off those slow bill payers to keep cashflow in check!
Professional and swift
Incredibly fast service, prompt responses and money in the bank basically straight away when needed. The commission is very reasonable for the excellent service they provide and the portal is super easy to use. Highly recommend
awesome facility so easy to set up, highly recommend
Fast and easy to work with!
I found Fundtap through a Google search and decided to give it a try midday, based on the website's explanation that seemed like a good fit for me. The application process was straightforward and went smoothly. That same day, before 6 pm, the funds for my chosen invoices were deposited into my bank account. I couldn't believe how quickly my cash flow problem was resolved. Thanks, Fundtap, for the great work! 👏
Super straight forward to set up! I got fed up with late payers making me pay my suppliers late, this fills that gap. And if I don't need to use it, no fees! Perfect!
So easy to use, the support team James specifically is a legend and so easy to deal with would 100% recommend to anyone in business in general. Defiantly can say it takes the weights right off thee shoulders... thanks boys
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!
The 24 most recent of 307.
Read them on Google →Businesses we work with.
Different industries, the same gap between doing the work and getting paid.
We are able to achieve scalability more easily with FundTap, making cost savings when ordering larger volumes of ingredients, and having capital available for huge packaging runs with long lead times.
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.
The money came in instantly. It was awesome. Now that it is set up, I will pretty much use it every month.
FundTap have provided a unique and professional service in unlocking funds tied up in jobs.
The team from FundTap provide my company with an excellent product and service.
Frequently asked questions
Before you decide.
What do customers say about FundTap? Are there reviews?
Yes. FundTap has 307 reviews across Google and the Xero App Store, averaging 4.9 out of 5. The three things customers mention most are how quickly the money lands, that the fee is quoted before they commit, and that there is no lock-in.
Is FundTap a legitimate business? Who owns it?
Yes. FundTap is Seascape (2010) Limited, registered in New Zealand (NZBN) and Australia (ABN), trusted by businesses since 2010.
Is it really funded within 2 hours, or is that just marketing talk?
Yes. FundTap's approvals team reviews you, usually within a day. Once approved, FundTap funds you within 2 hours each time you choose an invoice to fund.
Does FundTap notify my customers when I use them to finance an invoice?
No. Your customer pays your invoice to you, into your own account, on the terms you already agreed. There's nothing at their end to sign or change, no payment is redirected to FundTap, and you stay in charge of the relationship.
How much does FundTap cost? What are their fees?
One flat fee, from 4% per invoice, shown in full before you confirm. No setup fees, no monthly charges, nothing owing while you're not using it. You're always the one deciding when that fee applies.
Written and reviewed by Helena Howley, Operations & Product·5 August 2026