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...
★★★★★4.9 · 250+ reviews
FundTap turns your unpaid invoices into cash, within 2 hours of approval. You choose the invoice, connect Xero, MYOB, QuickBooks or Reckon, and see the exact fee before you confirm. Once approved, FundTap funds it within 2 hours, 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 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.
Trigga Seal · Queensland
Trigga Seal does joint sealing on commercial and industrial jobs across South-East Queensland. Matthew Stewart set up FundTap before he needed it. Four days after his first call, his first invoice was funded.
“awesome facility so easy to set up, highly recommend”Matthew Stewart, Managing Director, Trigga Seal (Xero review, Oct 2026)Read the full story →
A construction customer
A spouting contractor in the central North Island had a big new contract, a wage run due before Christmas, and invoices that wouldn't be paid until the 20th. They signed up at 8:40am. The first invoices were funded at 5:49pm.
“I'll leave the bank for now, we'll give it a crack.”Owner, spouting contractorRead the full story →
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
One flat fee per invoice you fund, from 4%, quoted 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.
An Auckland civil contractor lays underground ducting for power and water networks. Developers pay in stages, and the crew, the gear and the diesel can't wait for them.
“...It's a three-stage kind of process, each project. We come back in and reinstate it once they're finished.”
Crews kept on site while developers pay in stages.
Introduced by their broker
Read the story →A plastering and painting business in Auckland works for households and for builders. The builders pay on the 20th of the month after, and the crew's wages and the next job's materials fall due well before that.
“...this will help the business a great deal.”
Wages and materials covered while the builders pay on the 20th, as the work grew.
Read the story →A residential building business in Canterbury invoices its clients at the end of the month. Most pay on the day, a few run late, and the crew's wages are due either way.
The crew paid on payday while the late payers catch up at month-end.
Introduced by their broker
Read the story →Business names withheld. Quotes from calls with the FundTap team, lightly trimmed. Counts from FundTap's records.
Related
Small Business Tips
Protecting your cash before the work starts, not after the invoice is late.
FundTap Team
Read the articleUnderstanding Invoice Finance
Progress claims, retentions and slow head contractors, and where the gap opens up.
FundTap Team
Read the articleUnderstanding Invoice Finance
How funding a progress claim works, and what it costs on a construction account.
FundTap Team
Read the articleSmall Business Tips
NZ construction sales grew 11% while 768 firms were liquidated in the same year.
FundTap Team
Read the articleQuestions
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.
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 get funded within 2 hours of approval.
No. Invoice finance is an advance against money you have already earned. It does not add debt to your balance sheet.
Our Nelson-based team, not a call centre.
Last reviewed