A slow-paying head contractor isn't the reason the next job stalls.

Check eligibility See how it works

4.9 250+ reviews

+$4,050.00 FundTap · Direct credit · Today Received

No lock-in

Choose which invoices, no minimums

Same day

Once approved, funded same day

Never

Your clients are never contacted

From 6%

Per invoice, for trades and construction

In short

How does invoice finance work for construction and trades businesses?

FundTap turns your unpaid invoices into cash, the same day. You choose the invoice, connect Xero, MYOB, QuickBooks or Reckon, and see the exact fee before you confirm. Once approved, FundTap funds it the same day, so a progress claim or a slow-paying head contractor isn't what decides when the next job starts.

Last reviewed 26 August 2026

The gap

The job's done. The invoice is out.

The job's done and the invoice is out, but the head contractor, developer or council pays on their own schedule, often a month after the invoice date, sometimes 60 days once retentions and progress claims are factored in. Wages are due Friday regardless of when that invoice lands, and the next job needs materials before the last one has paid. FundTap funds the invoice you choose, money already owed to you, brought forward on your own timing, so a slow-paying head contractor isn't the reason the next job stalls.

A worker in a hard hat, seen from below against the sky

How it works

Get funded in four steps.

Connect

Get approved

Our approvals team reviews your application, usually the same day.

Choose an invoice

Pick the one you want funded and see the exact fee before you confirm.

Get paid

Once approved, the money lands the same day, before 5pm.

See how it works in full

What it costs

Pricing that hands you the control.

Trades and construction accounts are quoted from 6% per invoice, plus a small daily amount for the days until it's due. No monthly costs, no lock-in contracts, and it costs nothing while it's not in use.

Approved funding limit

$0while it sits there

No establishment fees
No monthly service charges
No break fees
No minimum, no lock-in

When you fund an invoice

6%from, per invoice

Up to 90% in your bank, funded same day once approved
Quoted before you confirm
No early repayment penalty
You choose which invoice, how long, and how much

Get set up for free

Fundtap have provided a unique and professional service in unlocking funds tied up in jobs.

Craig MCLM Group

Before you check eligibility.

Can construction businesses use invoice finance?

Yes. Construction is one of the most common industries for invoice finance because of long payment cycles. FundTap works with progress claims, final invoices, and any B2B invoice issued through Xero, MYOB, QuickBooks or Reckon.

Do I need to factor all my invoices?

No. With FundTap, you choose which invoices to fund. There is no whole-ledger requirement and no minimum monthly volume.

Will my head contractor know I am using invoice finance?

No. FundTap is completely confidential. Your clients and head contractors are never notified.

How quickly can I get funds for a progress claim?

Once your FundTap account is set up, you can fund an invoice and get funded the same day.

Is invoice finance a loan?

No. Invoice finance is an advance against money you have already earned. It does not add debt to your balance sheet.

Talk to a human

Rather ask first?

Our Nelson-based team, not a call centre.

Email us info@fundtap.co

Call NZ 0800 88 33 55

Call AU 1800 595 505

Take opportunities. Cover costs.

Keep moving.

Check eligibility