What is the difference between Fundtap and Moula?

Moula offers unsecured business loans with fixed repayments. Fundtap offers invoice finance — access money from invoices you've already raised, repaid when your customer pays.

Is Moula available in New Zealand?

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

Which is cheaper: Moula or Fundtap?

For invoice timing gaps, Fundtap's flat fee is typically more cost-effective than Moula's interest rate. Moula suits businesses that need capital not tied to specific invoices.

Fundtap vs Moula: invoice finance vs business loan

Moula is an Australian small business lender. Fundtap is an invoice finance platform. They’re different products for different situations.

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

Feature	Fundtap	Moula
What it is	Invoice finance	Unsecured business loan
Cost	One flat fee per invoice	Interest rate applies
Repayment	Auto when customer pays	Fixed monthly instalments
New Zealand	Yes	No (AU only)
Requires invoices?	Yes (B2B invoices)	No
Balance sheet impact	No new debt	Loan added

If you have B2B invoices and a timing gap, Fundtap is the right tool. If you need capital for something else, Moula is worth comparing with other AU lenders.

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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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