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.
Last reviewed 11 August 2026
Here’s what FundTap looks for when assessing eligibility. If you tick these boxes, you’re likely a good fit.
Core eligibility requirements
- Registered in NZ or AU — any legal structure (sole trader, partnership, company, trust)
- 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 client
- Some trading history — typically at least 6 months of operation
How FundTap assesses applications
FundTap uses AI-powered credit assessment to assess your business. We also run a credit check on your business and owners as part of approval. This means:
- You can qualify even if you’ve been declined for bank finance
- Decisions are typically within 24 hours
Common questions
What industries does FundTap work with?
Construction, staffing, professional services, transport, logistics, wholesale, manufacturing, agriculture — any business that issues invoices for work already completed.
Does FundTap work for sole traders?
Yes. Sole traders are eligible as long as they invoice clients and meet the other criteria.
Can I check eligibility without committing?
Yes. Checking eligibility is free by connecting your accounting software, and there’s no obligation. Be aware that a credit check on your business and its owners forms part of our assessment, and that check is recorded on your credit file. If you are eligible, you only proceed if you’re happy with the result.
