Business Finance

“Linking to our Accounting
System makes
it so easy”


How it works



Select one or more of
your outstanding invoices.
FundTap will pay these
invoices to you now.



FundTap reviews and
approves the invoices
you select and makes
payment to you.



When your customer
pays, you repay FundTap
by direct debit.

How we work

“FundTap lend against my invoices, in turn allowing me to pay my contractors before I receive payment. It has helped me to grow and to tackle work that I would have struggled to find capital for.”


FundTap increases your business’ short-term cash flow. Your outstanding invoices turn into immediate cash so you can grow and run your business, without being restricted by a shortage of cash.

FundTap is easy, quick and paperless. You do not need to spend your time collecting information for us. The sign-up process takes only 5-10 minutes. Subsequent funding is as quick as logging in and selecting the invoices. You can have funds in your account within hours so you can spend your valuable time growing and running your business.

You create a free FundTap account and follow the prompts to seamlessly link your cloud accounting system. You will then see a list of your outstanding invoices. Now you can select the outstanding invoices you wish to have funded by FundTap.

The amount you will receive and the fees are displayed so you have all the information you need to make a decision. The funds are deposited into your account, usually within hours.

After the invoice due date, FundTap will direct debit your account for the amount advanced and the fee.  Done! The simple way to manage cash flow.

We have built FundTap from the ground up to streamline the funding process for you.  Once you have created a free FundTap account you will be directed to sync your invoices.  Here you will be asked to provide authorisation to link your accounting system to FundTap by entering your user name and password.  You’re done.  It’s that simple.

Like other lenders, we need access to some of your financial information. Unlike other lenders, by accessing your accounting system, we save you from having to manually obtain and upload this information.

We need access to your financial information and the history of your debtors’ payments. We do not access any information on your employees, any details about your customers’ employees or any inventory information.

We are keenly aware of the trust placed in us.

We understand this can happen.  Just let us know and we can recalculate the fee and reschedule the direct debit to follow your customer’s new payment date.

No problem. If you pay early there are no extra charges. In fact, we recalculate and reduce your fee to reflect the reduced time. To pay early, get in contact with FundTap to either pay us directly, or we can reschedule the direct debit date.

Factoring is similar to what FundTap does in that factoring is based on extracting funding from your invoices.

FundTap has many advantages over factoring companies. Factoring companies take over all of your debtors’ ledgers, lock you into an ongoing contract and charge you monthly administration fees.

FundTap allows you to choose exactly which individual invoices, and how many invoices you wish to sell, in order to fix your cash flow. The power is in your hands – we have no locked-in contracts and we don’t charge monthly administration fees.

Our fee starts as low as 4% of the invoice value.  We don’t have any sign-up fees, administration fees, documentation fees, early repayment fees, monthly or annual fees.  The only fee you pay is for the funding you receive.  You are in control of the costs.

To ensure you can make the right funding decision, we show you the cost before you decide to go ahead.  We have a handy funding and fee calculator here.

No. We buy your invoices and so we are not lending money.  Because of this, your ability to borrow money from your bank or other lenders is not affected.

No.  You have spent time carefully building relationships with your customers and we will in no way jeopardise this.  Your customer does not know you are using FundTap to bring forward funding to secure your business cash flow.

Have a question? We love to help.

We fund your business, you pay one simple fee

Type below to know the cost and ensure it works for your business



We pay to your account:


When you customer pays you, we direct debit your account for the advance and our fee - in this case, $ or $ per week

*Our fee can vary from what is shown here as it is based on a risk assessment of each customer, the amount advanced and time outstanding. We believe in transparency and simplicity and so before submitting invoices for funding, you will always be a provided a quote to know the real $ value cost to decide if the benefit of having funds quickly covers this cost.