TL;DR: Construction businesses commonly wait 30–90 days for payment while covering materials, subcontractors, and wages upfront. Invoice finance bridges that gap by advancing funds against invoices you have already issued — so you can take on the next job without waiting for the last one to pay.
The Cash Flow Challenge in Construction
Construction and trades businesses face some of the longest payment cycles of any industry. Progress claims, retention periods, and slow-paying head contractors mean cash is often tied up for weeks or months after work is completed.
Meanwhile, costs are immediate: materials suppliers want payment on delivery, subcontractors need paying weekly, and wages cannot wait. This creates a cash flow timing gap that can limit growth even when the order book is full.
How Invoice Finance Works for Builders and Subcontractors
With Fundtap, you connect your accounting software (Xero, MYOB, or QuickBooks), select the invoices you want to fund, and receive an advance within hours. When your customer pays the invoice, the advance is settled automatically.
- Fund progress claims as soon as they are issued
- Cover materials and subcontractor costs without waiting for payment
- Take on new projects while previous jobs are still being paid
- No property security — your invoices are the collateral
Why Construction Businesses Choose Fundtap
- Funded within hours — not days or weeks
- No lock-in contracts or minimum monthly volumes
- Single transparent fee from 4% per invoice
- Completely confidential — your head contractor or client is never notified
- No whole-ledger requirement — fund only the invoices you choose
- Works in both Australia and New Zealand
Common Scenarios
Subcontractor Waiting on a Head Contractor
You have completed $80,000 of electrical work and submitted your progress claim. The head contractor pays on 60-day terms. With Fundtap, you can access those funds within hours and pay your team this week.
Builder Scaling Up
You have won a larger contract but need to hire additional crew and order materials before the first progress payment arrives. Invoice finance covers that gap without adding debt or requiring property security.
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, or QuickBooks.
No. With Fundtap, you choose which invoices to fund. There is no whole-ledger requirement and no minimum monthly volume.
No. Fundtap is completely confidential. Your clients and head contractors are never notified.
Once your Fundtap account is set up, you can fund an invoice and receive the advance within hours.
No. Invoice finance is an advance against money you have already earned. It does not add debt to your balance sheet.