FundTap turns your unpaid invoices into cash, the same day.

The money's coming. It's just not sitting in your bank account yet.

Check eligibility
GoogleXero4.9 250+ reviews
A phone in a work-trouser pocket showing money received from FundTap
Works with your accounting software Xero MYOB QuickBooks Reckon
In short

How does FundTap actually work?

You've done the work and sent the invoice, and now you wait 30 or 60 days to be paid. FundTap brings that money forward: connect your accounting software, pick the invoice you want funded, and see the exact fee before you confirm. Once approved, FundTap funds you the same day. Your customer is never contacted, and nothing is owing while you're not using it.

Last reviewed 6 August 2026

How it works

What actually happens, step by step?

Here is the whole shape of it.

Step 1

Check eligibility

Connect your accounting software. A few minutes, no obligation.

Step 2

Get approved

FundTap's approvals team reviews you, usually the same day.

Step 3

Pick an invoice

One, several, or none. Whenever you need it.

Step 4

See the fee

FundTap shows the exact fee before you confirm, worked out for that invoice and the days until it's due.

Step 5

Get funded

Once approved, FundTap funds you the same day.

Step 6

Ready again

One direct debit on the invoice due date, for what was funded plus the fee you were quoted. Your funding limit is ready again, straight away.

You stay in control

You pick which invoice to bring forward.

Choose one, several, or none at all. See the fee before you confirm.

Connect your Xero and get paid today
Two farmers talking at a gate, with a dog

Your clients are never contacted.

Your client relationships stay exactly as they are.

They pay you, as always.Into your own account. No payment is redirected to FundTap.

Nothing changes at their end.Same terms, same payment flow, same contact.

Invoice finance, not factoring.You choose a single invoice, and your customers are never told to pay someone else.

Say yes to the work, without waiting to be paid.

The council contract. Another truck. The next order, before the last one's paid. Set it up once and it's there for whichever comes first.

Get set up More about eligibility
A welder working on a fabrication job

What it costs

Pricing that hands you the control.

One flat fee per invoice you fund. There's no fee for setting the account up, holding it, or closing it.

Approved funding limit

$0while it sits there
  • No establishment fees
  • No monthly service charges
  • No break fees
  • No minimum, no lock-in

When you fund an invoice

4%from, per invoice
  • Up to 90% in your bank, funded same day once approved
  • Quoted before you confirm
  • No early repayment penalty
  • You choose which invoice, how long, and how much

See full pricing

How it compares

One invoice at a time. No lock-in.

FundTap funds one invoice you choose, not everything you're owed. No lock-in, no ongoing commitment.

FundTapOnline invoice financeTraditional factoring
Easy to establish
Online and mobile
Links to your accounting system
Application approvalTypically same day48 hours +2 weeks +
Quick fundingSame dayDaysDays
No establishment fees
No admin or system fees
Your customer pays into your normal account
Use only when needed, without penalty

What our customers say.

GoogleXero4.9 250+ reviews
B
Brenda Gunn
Posted on Google
6 Aug 2026
Fantastic to deal with, great communication and there to support when needed. Thank you.
W
Wade Keys
Posted on Google
6 Aug 2026
Great facility to have access to. We were onboarded by James, who was very helpful.
A
Awsam Gifts Ltd
Posted on Google
4 Aug 2026
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!
L
Loaded Candy
Posted on Google
4 Aug 2026
Great communication, clear terms and funding in 24 hours from invoice submission! Supports us in growing our business as we navigate cash intensive projects!
L
Laura Keil-Hall
Posted on Google
4 Aug 2026
Easy, simple and seamless application process. The team are very helpful and understanding.
T
Tony Raoren
Posted on Google
28 Jul 2026
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.
P
Pranav Meelu
Posted on the Xero App Store
Xero
24 Jul 2026
They have been seamless and friendly to work with.
B
Ben Newsome
Posted on the Xero App Store
Xero
17 Jul 2026
Highly professional team and very easy to use service.
J
Jhonatan Angello
Posted on Google
5 Jul 2026
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.
J
Jonah Poloa
Posted on Google
25 Jun 2026
Great service and quick response time, professional staff.
C
Curtis Winsor
Posted on Google
25 Jun 2026
Easy to use and super helpful.
S
Siva Kunchala
Posted on Google
5 Jun 2026
FundTap is a great tool every business should try. It has been such a positive experience working with the team!
J
Jamie Emms
Posted on Google
5 Jun 2026
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.
M
Mark Watson
Posted on Google
28 May 2026
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!
R
Ryan Sankey
Posted on the Xero App Store
Xero
13 May 2026
Love this service. It really helps with our cashflow when our clients are slow to pay.
M
Mark Petts
Posted on the Xero App Store
Xero
11 May 2026
This process is quick and easy and fits our business model really well. Highly recommended to have a look at this.
T
Trust Contractors
Posted on the Xero App Store
Xero
11 May 2026
Really great service and quick payment. They really help take the edge off when waiting for clients to pay.
P
Paulo Summers
Posted on Google
8 Feb 2026
Quick and easy process. Great communication, especially when the invoices did not fit a standard format, they applied common sense and did not delay any processing. Highly recommend for when you need a stop-gap measure.
K
Kylie Sayer
Posted on Google
4 Dec 2025
Outstanding customer service. Easy process and super fast payment. Highly recommend signing up with FundTap. Being able to have access to funds now while waiting for payment took the pressure off. Thanks team!
M
Marina Davis
Posted on Google
22 Oct 2025
FundTap has truly solved a pain point I have faced since starting my business. I am both relieved and excited about the potential it has unlocked. Thank you so much!
L
Lawson
Posted on the Xero App Store
Xero
12 Jun 2025
Very easy to deal with, process was very quick.
J
Jack Dunn
Posted on the Xero App Store
Xero
8 May 2025
Easy to talk to and very helpful. I like having the backup when I need it; they made it so very easy to set up. 100% great customer service.
B
Ben Sharp
Posted on the Xero App Store
Xero
10 Apr 2025
Cash is King!! This service has been just what we needed.
Read all reviews

Questions

Common questions about how it works.

Do I have to put every invoice through it, or just the ones I choose?
Just the ones you choose. FundTap lets you fund all of an invoice or just part of it.
Is it really funded the same day, or is that just marketing talk?
Yes. Once your funding limit is approved, usually same day, each invoice you choose to fund is approved and paid out the same day too.
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.
Can I repay early and redraw straight away if I need cash again the same week?
Yes. Once an invoice is repaid, your funding limit is ready again straight away. No reapplying.
What if my customer pays me late? Does that break my repayment?
No. You can move the repayment date yourself in the portal by five working days, or let our friendly team know.
If I set it up and then don't end up using it for a few months, does anything happen, fees, cancellation, anything?
No. Costs nothing while it's not in use. Set it up once, it's there when you need it.
Talk to a human

Rather ask first?

Our Nelson-based team, not a call centre.

Email us info@fundtap.co
Call NZ 0800 88 33 55
Call AU 1800 595 505

Reviewed by Matt Peacey PhD, Founder and CEO Last reviewed

FundTap provides invoice finance for small businesses in Australia and New Zealand. Australia: +61 1800 595 505 New Zealand: +64 800 88 33 55 Email: info@fundtap.co Address: 255 Hardy Street, Nelson 7010, New Zealand ABN: 47914654579 NZBN: 9429031726887