What are FundTap's eligibility requirements?

Your business needs to be registered in New Zealand or Australia, invoice other businesses or government, and use Xero, MYOB or QuickBooks.

Can startups use FundTap?

FundTap requires some trading history. Businesses that have been operating for at least 6 months and have at least one outstanding invoice from a creditworthy client are typically eligible.

What if I've been declined before?

FundTap assesses both your customers' payment reliability and your own business's credit and financials. Because it advances against your invoices and doesn't require the property security a bank facility usually does, it can be accessible to businesses that have been declined elsewhere. It's worth checking your eligibility separately.

Do I qualify for FundTap?

TL;DR: Eligibility for FundTap focuses on the invoice and the customer, not just your business credit. You qualify if you operate in AU or NZ as a registered business (ABN or NZBN), use Xero, MYOB, QuickBooks or Reckon, and have unpaid invoices (B2B or B2C) from credit-worthy customers.

Here’s what FundTap looks for when assessing eligibility. If you tick these boxes, you’re likely a good fit.

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Core eligibility requirements

Registered in NZ or AU — any legal structure (sole trader, partnership, company/Pty Ltd)
Invoicing — you invoice other businesses, government or consumers (B2B or B2C)
Accounting software (preferred, not required): an active Xero, MYOB, QuickBooks or Reckon account, or a manual process if you do not use software
Outstanding invoices — at least one invoice from a creditworthy client
Some trading history — typically at least 6 months of operation

How FundTap assesses applications

FundTap uses AI-powered credit assessment. Because we advance against your invoices, your customers' payment reliability is a key part of the assessment. We also run a credit and financial check on your business as part of approval. This means:

You can qualify even if you’ve been declined for bank finance
Businesses with strong clients (large companies, government) tend to qualify more easily
Decisions are typically instant

Check eligibility — it takes minutes

Common questions

What industries does FundTap work with?

Construction, staffing, professional services, transport, logistics, wholesale, manufacturing, agriculture — any B2B business that invoices other businesses or government.

Does FundTap work for sole traders?

Yes. Sole traders are eligible as long as they invoice business clients and meet the other criteria.

Can I check eligibility without committing?

Yes. Checking eligibility is free by connecting your accounting software, and doesn’t affect your credit score. If you are eligible, you only proceed if you’re happy with the result.

Back to How It Works

Frequently asked questions

Am I eligible for FundTap?

FundTap is for businesses in New Zealand and Australia that issue invoices on payment terms, whether to other businesses (B2B) or consumers (B2C). Accounting software such as Xero, MYOB, QuickBooks or Reckon is preferred, not essential.

How much can I access?

Your limit is based on your invoicing history and grows as your business grows.

What do I need to get started?

Connect your accounting software and create your account, which takes about 5 minutes. Sole traders, companies and trusts are all supported.

Which invoices can I fund?

Invoices that have been issued to your customers for work completed, but are not yet due. FundTap funds both business (B2B) and consumer (B2C) invoices.

Will my customers know I am using FundTap?

No. FundTap never contacts your customers. There is no debtor notification and your customers keep paying you directly as normal.