Do I qualify for Fundtap?
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 and doesn’t affect your credit score. You only proceed if you’re happy with the result.
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