Invoice finance is how small businesses access cash from invoices they have already raised, before customers pay. With FundTap, you connect Xero, MYOB, QuickBooks or Reckon, pick any unpaid invoice, and get funded the same business day. Single transparent fee of from 4% per invoice. No setup, no monthly subscription, no lock-ins.
Last reviewed 11 August 2026
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 90% of the invoice value the same day.
The problem invoice finance solves
B2B and B2C 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 customer and raise an invoice
- Instead of waiting for the client to pay (30-90 days), you submit the invoice to FundTap
- We pay you up to 90% of the invoice value, the same day
- Your customer pays their invoice as normal — they never know FundTap is involved
- FundTap deducts the advance plus the flat fee from your bank account
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.
Who it’s for
Invoice finance works for any B2B business that:
- Invoices other businesses, government or consumers
- Operates on credit terms (customers pay after work is done)
- 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 invoice that you have issued to your cutomer for work completed. Progress claims, milestone payments, final invoices — as long as the work is done and the invoice is raised, it can be funded.
