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 B2B invoices 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)
- B2B invoicing — you invoice other businesses or government (not individual consumers)
- Annual turnover $150,000+ — or projected if you’re early stage but growing
- Accounting software — active Xero, MYOB or QuickBooks account
- 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. The assessment focuses primarily on your customers’ creditworthiness — not your own credit history. 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
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.
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