Compare your finance options
Not all small business finance works the same way. Before committing to anything, it's worth understanding what each option actually involves. These guides lay it out clearly.
FundTap vs other invoice finance
Same idea, different terms. What changes between us and the other invoice finance providers in New Zealand and Australia.
FundTap vs Marmalade
Both fund single invoices through your accounting software. Where they differ is who they cover.
CompareFundTap vs Scottish Pacific
Pick one invoice with no monthly minimum, against signing up your whole sales ledger.
CompareFundTap vs Waddle
Entry criteria, repayment, and when each is the better fit.
CompareFundTap vs Earlypay
Entry criteria, repayment, and when each is the better fit.
CompareFundTap vs FIFO Capital
Entry criteria, repayment, and when each is the better fit.
CompareFundTap vs Pacific Invoice Finance
Entry criteria, repayment, and when each is the better fit.
CompareFundTap vs Invoice Factoring NZ
Entry criteria, repayment, and when each is the better fit.
CompareFundTap vs business lenders
Bringing forward money you have already earned, against taking on new borrowing.
FundTap vs Prospa
Invoice finance against a business loan. No new debt, no fixed repayments, funded in hours.
CompareFundTap vs Bizcap
Entry criteria, repayment, and when each is the better fit.
CompareFundTap vs Moula
Entry criteria, repayment, and when each is the better fit.
CompareFundTap vs OnDeck
Entry criteria, repayment, and when each is the better fit.
CompareInvoice finance vs other kinds of finance
How invoice finance compares with the other ways a small business covers a gap.
Invoice finance vs invoice factoring
Both bring an invoice forward. The difference is who talks to your customer.
CompareInvoice finance vs invoice discounting
The two terms get mixed up constantly. What each one means, and which suits a smaller business.
CompareSelective vs whole ledger
Choose which invoices you fund, or sign up all of them. FundTap is selective.
CompareInvoice finance vs a business loan
One brings forward money you have already earned. The other is new borrowing you pay back on a schedule.
CompareInvoice finance vs a business overdraft
One flat fee on one invoice, against an ongoing limit you keep paying to hold.
CompareInvoice finance vs a business credit card
One flat fee, paid once, against interest that keeps running until you clear the card.
CompareInvoice finance vs an early-payment discount
Pay a flat fee to a funder, or hand your customer a discount for paying sooner.
CompareInvoice finance vs invoice trading
One funder at a published fee, against an auction where buyers bid for your invoice.
CompareGuides
Wider round-ups, if you are still working out which kind of finance you need.
Best invoice finance in New Zealand (2026)
Compare the main invoice finance providers in New Zealand. Fees, features, and what to look for.
CompareBest invoice finance in Australia (2026)
Compare the main invoice finance providers in Australia. Fees, contract terms, and what to look for.
CompareAll SME finance options compared
A plain-English guide to the finance options open to NZ and AU small businesses.
CompareQuestions
Questions people ask before comparing
What is the difference between invoice finance and invoice factoring?
Invoice finance (like FundTap) advances money against your invoices confidentially. Invoice factoring involves selling your invoices to a third party who then collects payment from your customers directly, so your customers know.
How does invoice finance compare to a business loan?
A business loan gives you a lump sum you repay in fixed instalments regardless of your revenue. Invoice finance advances money from invoices you have already raised, so there is no fixed repayment schedule and no interest rate.
Is FundTap cheaper than a business overdraft?
It depends on usage. An overdraft charges interest daily on the balance used. FundTap charges one flat fee per invoice funded. For businesses that use funding occasionally, FundTap is often more cost-effective.
Reviewed by Shane Laurence, Head of Growth · Last reviewed