What is invoice finance?
Invoice finance is a way for businesses to access money from invoices they’ve already raised — before their customers pay. Instead of waiting 30, 60 or 90 days, you get up to 85% of the invoice value within hours.
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The problem invoice finance solves
B2B businesses often do the work, raise the invoice, and then wait. Weeks, sometimes months. Meanwhile, wages, rent, suppliers and tax don’t wait. Invoice finance bridges that gap — turning completed work into available money without taking on debt.
How it works (in plain English)
- You complete work for a business client and raise an invoice
- Instead of waiting for the client to pay (30-90 days), you submit the invoice to Fundtap
- Fundtap advances you up to 85% of the invoice value within hours
- Your client pays their invoice as normal — they never know Fundtap is involved
- Fundtap deducts its flat fee and releases the remaining 15% to you
It’s not a loan
This is the most important thing to understand about invoice finance. You’re not borrowing anything. The money advanced to you is money your client already owes you — you’re just getting it earlier. There are no fixed repayments, no interest rate, and it doesn’t appear as debt on your balance sheet.
“We were drowning in late payments from big clients. Fundtap meant we could keep paying our team on time without taking on any debt.”
Jessica M., Staffing Agency Director, Sydney
Who it’s for
Invoice finance works for any B2B business that:
- Invoices other businesses or government (not consumers)
- Operates on credit terms (customers pay after work is done)
- Turns over $150,000+ per year
- Operates in New Zealand or Australia
Common questions
Is invoice finance the same as factoring?
Not exactly. Invoice factoring involves selling invoices to a third party who then collects from your customers directly — your customers know. Invoice finance (like Fundtap) is confidential — your customers pay you as normal.
What types of invoices can I fund?
Any approved invoice from a business or government client. Progress claims, milestone payments, final invoices — as long as the work is done and the invoice is raised, it can be funded.
Back to How It Works • Invoice finance vs factoring
