What is the difference between Fundtap and Earlypay?

Earlypay targets mid-market Australian businesses with minimum facilities typically around $200,000+. Fundtap is designed for smaller SMEs with no minimum and no lock-in.

Is Earlypay available in New Zealand?

No. Earlypay operates in Australia only. Fundtap operates in both New Zealand and Australia.

Does Fundtap have a minimum facility size?

No. Fundtap has no minimum. You can fund a single invoice or multiple invoices as needed.

Fundtap vs Earlypay

Earlypay is an Australian invoice finance provider focused on mid-market businesses. Here’s how they compare to Fundtap.

⭐⭐⭐⭐⭐ 4.9 stars · 240+ reviews on Google • 54% average revenue growth for Fundtap customers

Feature	Fundtap	Earlypay
Target market	Small businesses ($150K+ turnover)	Mid-market ($200K+ facility typical)
Minimum facility	None	$200,000+ typical
Selective invoices	Yes	No (full ledger)
Lock-in	None	Contact Earlypay for terms
New Zealand	Yes	No (AU only)
Accounting integration	Xero, MYOB, QuickBooks	Varies

Which is right for you?

If you’re a mid-market Australian business with consistent high invoice volumes, Earlypay may suit. If you want flexibility, no minimum and selective invoicing (or you operate in New Zealand), Fundtap is designed for you.

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Competitor information is based on publicly available data and may change. This page is for general information only and is not financial advice. Contact providers directly to confirm current terms.

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