Pacific Invoice Finance serves the NZ market with broker-distributed invoice finance. FundTap is direct-to-business: connect your accounting software, pick any invoice, get funded within 2 hours of approval. No broker required, no whole-ledger commitment, single transparent fee from 4%. FundTap suits SMEs that want capital control without going through an intermediary.
Last reviewed 11 August 2026
Pacific Invoice Finance is a New Zealand-based invoice finance provider. FundTap is on-demand invoice finance for Australian and New Zealand small businesses. Here is a straightforward comparison so you can decide what suits your situation.
At a glance
| Feature | FundTap | Pacific Invoice Finance |
|---|---|---|
| What it is | On-demand invoice finance | Invoice finance |
| Cost | Per-invoice fee from 4% (no setup fees, no monthly subscription fees, no early-repayment fees) | Percentage fee per invoice funded |
| Repayment | Automatic on the invoice due date | Repaid when your customer pays the invoice |
| Entry criteria | Connect Xero, MYOB, QuickBooks or Reckon and pick a single eligible invoice , three months of trading and more than $5,000 a month in revenue required (subject to standard credit assessment of you and the debtor) | Typically consistent monthly invoicing; NZ focus |
| Effect on balance sheet | Repaid automatically on the invoice due date, from money you have already earned | No new debt added to the balance sheet |
| Speed | Typically funded within 2 hours of approval, once your accounting software is connected | Funding timeframes vary by setup |
| Markets | Australia and New Zealand | New Zealand |
| Ongoing commitment | No monthly subscription fees, no minimum draw volume | Confirm current terms with Pacific Invoice Finance |
When FundTap is likely the better fit
- You want fast online onboarding through your accounting software (Xero, MYOB, QuickBooks or Reckon).
- Your invoicing is sporadic or seasonal and you want to fund individual invoices on demand.
- You operate across both New Zealand and Australia.
- You want to see the exact fee before you fund each invoice.
When Pacific Invoice Finance is likely the better fit
- You are a New Zealand business that prefers a long-standing local provider.
- You have a consistent invoicing pattern that fits their structure.
Switching to FundTap takes four steps
- Connect your accounting software (Xero, MYOB, QuickBooks or Reckon). Takes about 10 minutes.
- Pick an unpaid invoice you would like to fund.
- See the exact fee for that invoice before you commit to anything.
- Receive funds, typically within 2 hours of approval.
Common questions
Does my business need to invoice other businesses to use FundTap?
FundTap funds invoices your customers owe you, whether they are businesses, government departments, councils or consumers. The most common use is invoicing other businesses, but business-to-consumer, business-to-government and similar arrangements work too. What does not fit is cash-only work, because there is no invoice to fund against.
How is FundTap different from a business loan?
FundTap is not a traditional loan. There is no fixed repayment schedule and no lock-in. You are accessing money you have already earned through an unpaid invoice. The invoice is repaid automatically when your customer pays, so you are never paying for funding you are not using.
What if my cashflow needs are short-term or sporadic?
That is exactly when FundTap works best. There are no monthly subscription fees, no minimum draw volume, and no contract. Fund one invoice, a few, or none. There is no penalty for not using the product.
How quickly can I get funded?
Once your accounting software is connected and your account is verified, eligible invoices are typically funded within 2 hours of approval. Cut-off times and processing windows apply.
Competitor information is based on publicly available data at time of writing and may change. This page is for general information only and is not financial advice. Outcomes depend on circumstances, invoice profile, and approval. Confirm current terms directly with each provider.
