Amazing service! It was super easy to set up, and the funding came through straight away. This is a fantastic solution for small to medium-sized businesses that need help managing cash flow.
Do I qualify for FundTap?
Trading now, invoicing customers on terms: usually yes. Here's what we check, and where this genuinely doesn't work.
What are FundTap's eligibility requirements?
FundTap funds businesses actively trading in New Zealand or Australia that invoice their customers on terms, business or consumer. Four things matter: you are trading now, you invoice on terms, the invoice is for work already done and not yet paid, and your accounts are in order. There is no minimum number of invoices and no lock-in, so one invoice is enough.
Last reviewed 26 August 2026
What do you actually look at?
You're actively trading
A registered business or a sole trader in New Zealand or Australia, working now.
You invoice your customers on terms
They can be other businesses or consumers. What matters is that you've done the job and the invoice is out.
The invoice is for work already done
And it isn't paid yet: an invoice already past its due date can't be funded. Most of what FundTap funds is due within 60 days, and longer is considered case by case.
Your accounts are in order
Xero, MYOB, QuickBooks and Reckon all connect. If you're not on any of them, that isn't a no.
Businesses that invoice, in every trade
Construction, staffing, professional services, transport, wholesale, manufacturing, agriculture: any business that issues invoices for work already completed.
Construction & Trades
Progress claims, retentions and long payment terms. Fund an invoice as soon as you raise it.
Learn moreMakers & Distributors
You buy materials or stock before you can invoice, then sell to bigger, slower payers. Fund the next order without waiting on the last one.
Learn moreTransport & Logistics
Fuel, maintenance, and driver costs don't wait. Get paid on your invoices the same day.
Learn moreProfessional Services
Clients on 30-60 day terms while wages and overheads roll on. Turn approved invoices into cash now, without waiting for payment.
Learn moreStaffing & Recruitment
Pay contractors weekly while clients pay monthly. Bridge the gap without taking on debt.
Learn moreAgriculture & Primary
Seasonal income, and the buyer pays on the 20th of the following month. Fund the big seasonal invoice without waiting on the buyer.
Learn moreYours not here? See all industries
Check yourself
Tick what’s true for you.
Nothing is sent, and nothing is saved. This is just the four checks, in your own words.
Tick the ones that are true.
Not sure about one of them? That’s what the team is for.
That’s the four checks. FundTap’s approvals team reviews every application, usually the same day.
Now the honest part
Where this genuinely doesn't work
Four situations where the honest answer is no, and you're better off knowing now.
- You're paid at the till or on the spot
- It's personal, not for the business
- You trade outside New Zealand and Australia
- You need the money before you've invoiced anything
Being eligible and being approved are two different things
There's a genuine review at the end of this, and it can come back as a no. We'd rather say that on the page than in an email a week later. FundTap's approvals team reviews every application, usually the same day.
Yes, FundTap runs a credit check. We look at the business and the people who own it, and it's one part of the review rather than the whole of it: the invoice, and the customer paying it, matter too. That check is recorded on your credit file. A small credit issue you've already cleared, with proof, isn't usually what stops an application.
What our customers say.
The overall experience was seamless and much simpler than I expected.
Waiting over 30 days for every payment puts a real restraint on our business, FundTap have provided the perfect solution. Process was quick and friendly - highly recommended
Fantastic to deal with, great communication and there to support when needed. Thank you.
Great facility to have access to. We were onboarded by James, who was very helpful.
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!
Great communication, clear terms and funding in 24 hours from invoice submission! Supports us in growing our business as we navigate cash intensive projects!
Easy, simple and seamless application process. The team are very helpful and understanding.
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.
They have been seamless and friendly to work with.
Highly professional team and very easy to use service.
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.
Great service and quick response time, professional staff.
Easy to use and super helpful.
FundTap is a great tool every business should try. It has been such a positive experience working with the team!
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.
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!
Love this service. It really helps with our cashflow when our clients are slow to pay.
This process is quick and easy and fits our business model really well. Highly recommended to have a look at this.
Really great service and quick payment. They really help take the edge off when waiting for clients to pay.
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.
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!
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!
Very easy to deal with, process was very quick.
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.
Cash is King!! This service has been just what we needed.
Questions
Before you check eligibility.
Does FundTap work for sole traders?
Yes. A registered business or a sole trader in New Zealand or Australia, working now. Companies, partnerships and trusts all qualify on the same four checks.
Do I need a certain number of invoices?
No, and this is the part that catches people out. Traditional invoice finance is built for bigger businesses: a minimum volume of invoicing every month, and a standing commitment to keep putting invoices through it. FundTap is built the other way round. You fund the invoice you choose, everything else you are owed stays exactly where it is, and there is no lock-in arrangement.
My customer pays on 90-day terms. Is that out?
Ask, rather than ruling yourself out. Most of what FundTap funds is due within 60 days, which is the standard rather than a wall, and longer terms are looked at individually.
Can I check without connecting my accounting software?
You can start without it, and connecting is what turns an estimate into a real number, because it is what starts our team working out how much you can get. If you are not on Xero, MYOB, QuickBooks or Reckon, FundTap can work from the accounts you already keep.
What if I have been declined for finance before?
You can still qualify even if you have been declined for bank finance. FundTap's approvals team looks at your whole business and the invoice itself, not just a credit score.
Will my customers know I am using FundTap?
Your clients are never contacted by FundTap. Your customer pays your invoice to you, on the terms you already agreed, and there is nothing at their end to sign or change.
Not sure yours fits? Ask.
Around 6 months trading and roughly $60k in turnover is our general guide. Every application gets a proper look, so if you're close, ask.
Last reviewed