Buyers in the rural sector pay on a fixed convention, often the 20th of the month following, whatever the work, forestry, farm servicing or a stock sale. Wages and inputs don't wait for that date.
★★★★★4.9 · 250+ reviews
Yes. Agriculture businesses that invoice their customers on payment terms can fund their unpaid invoices with FundTap to cover wages, materials and day-to-day costs while waiting to be paid. You choose which invoices to fund.
Last reviewed 26 August 2026
The gap
Buyers in the rural sector pay on a fixed convention, often the 20th of the month following, whatever the work, forestry, farm servicing or a stock sale. Wages and inputs don't wait for that date. FundTap funds the invoice you're waiting on, money already owed to you, brought forward on your own timing, so the 20th isn't the day everything has to land.
How it works
Register in about 10 minutes and connect Xero, MYOB, QuickBooks or Reckon.
FundTap's approvals team reviews you, usually within a day.
Pick the one you want funded and see the exact fee before you confirm.
Once approved, FundTap funds you within 2 hours.
What it costs
From 4% per invoice, plus a small daily amount for the days until it's due, shown in full before you confirm. No monthly costs, no lock-in contracts, and it costs nothing while it's not in use.
Approved funding limit
When you fund an invoice
Businesses like yours using FundTap
Real FundTap customers. The same wait between doing the work and being paid.
A logging contractor in the top of the South Island runs a crew and heavy machinery in the forest. The money for the harvest lands on the 20th, and the crew's wages fall due before it.
The crew paid on time while the harvest money lands on the 20th.
Introduced by their broker
Read the story →A farm contractor in the top of the South Island runs a shearing gang for farms across the region. The work comes in peaks and troughs, but the gang's wages and the bills don't.
A shearing gang paid on time when the quiet season ran into payroll.
Read the story →A poultry grower in the top of the South Island raises birds through the year for butchers, and the big sales come at Christmas. The butchers pay on the 20th or at the end of the month after.
Feed bills covered through the quiet months while the butchers pay after Christmas.
Introduced by their broker
Read the story →Business names withheld. Quotes from calls with the FundTap team, lightly trimmed. Counts from FundTap's records.
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Read the articleQuestions
Yes. Agriculture businesses that invoice their customers on payment terms can fund their unpaid invoices with FundTap to cover wages, materials and day-to-day costs while waiting to be paid. You choose which invoices to fund.
No. FundTap never contacts your customers. Your clients keep paying you directly.
Registration takes about 10 minutes, approval usually takes about a day, and once approved, invoices are funded within 2 hours.
No. You choose which invoices to fund, one at a time. There are no lock-ins, no minimums and no whole-ledger commitment.
A single transparent fee per invoice you choose to fund, shown in full before you confirm. There are no setup fees, no monthly fees and no lock-ins, and the fee reduces if you repay early.
Our Nelson-based team, not a call centre.
Last reviewed