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.

GoogleXero4.9 250+ reviews
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In short

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

The four checks

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.

Works with your accounting software Xero MYOB QuickBooks Reckon

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.

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.

P
Portia Brodie
Posted on Google
25 Aug 2026
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.
C
Christopher Duong
Posted on Google
19 Aug 2026
The overall experience was seamless and much simpler than I expected.
P
Peter McCarthy
Posted on Google
18 Aug 2026
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
B
Brenda Gunn
Posted on Google
6 Aug 2026
Fantastic to deal with, great communication and there to support when needed. Thank you.
W
Wade Keys
Posted on Google
6 Aug 2026
Great facility to have access to. We were onboarded by James, who was very helpful.
A
Awsam Gifts Ltd
Posted on Google
4 Aug 2026
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!
L
Loaded Candy
Posted on Google
4 Aug 2026
Great communication, clear terms and funding in 24 hours from invoice submission! Supports us in growing our business as we navigate cash intensive projects!
L
Laura Keil-Hall
Posted on Google
4 Aug 2026
Easy, simple and seamless application process. The team are very helpful and understanding.
T
Tony Raoren
Posted on Google
28 Jul 2026
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.
P
Pranav Meelu
Posted on the Xero App Store
Xero
24 Jul 2026
They have been seamless and friendly to work with.
B
Ben Newsome
Posted on the Xero App Store
Xero
17 Jul 2026
Highly professional team and very easy to use service.
J
Jhonatan Angello
Posted on Google
5 Jul 2026
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.
J
Jonah Poloa
Posted on Google
25 Jun 2026
Great service and quick response time, professional staff.
C
Curtis Winsor
Posted on Google
25 Jun 2026
Easy to use and super helpful.
S
Siva Kunchala
Posted on Google
5 Jun 2026
FundTap is a great tool every business should try. It has been such a positive experience working with the team!
J
Jamie Emms
Posted on Google
5 Jun 2026
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.
M
Mark Watson
Posted on Google
28 May 2026
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!
R
Ryan Sankey
Posted on the Xero App Store
Xero
13 May 2026
Love this service. It really helps with our cashflow when our clients are slow to pay.
M
Mark Petts
Posted on the Xero App Store
Xero
11 May 2026
This process is quick and easy and fits our business model really well. Highly recommended to have a look at this.
T
Trust Contractors
Posted on the Xero App Store
Xero
11 May 2026
Really great service and quick payment. They really help take the edge off when waiting for clients to pay.
P
Paulo Summers
Posted on Google
8 Feb 2026
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.
K
Kylie Sayer
Posted on Google
4 Dec 2025
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!
M
Marina Davis
Posted on Google
22 Oct 2025
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!
L
Lawson
Posted on the Xero App Store
Xero
12 Jun 2025
Very easy to deal with, process was very quick.
J
Jack Dunn
Posted on the Xero App Store
Xero
8 May 2025
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.
B
Ben Sharp
Posted on the Xero App Store
Xero
10 Apr 2025
Cash is King!! This service has been just what we needed.
Read all reviews

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.

Talk to a human

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.

Email us info@fundtap.co
Call NZ 0800 88 33 55
Call AU 1800 595 505

Take opportunities. Cover costs.

Keep moving.

GoogleXero4.9 250+ reviews

Last reviewed

FundTap provides invoice finance for small businesses in Australia and New Zealand. Australia: +61 1800 595 505 New Zealand: +64 800 88 33 55 Email: info@fundtap.co Address: 255 Hardy Street, Nelson 7010, New Zealand ABN: 47914654579 NZBN: 9429031726887