The next order doesn't have to wait behind the last one being paid.

Suppliers want paying before the stock even ships, sometimes months before a big retail or corporate customer settles the invoice on 60 or 90-day terms.

Check eligibility See how it works

4.9 250+ reviews

A packaging machine sealing pouches on a production line

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

No lock-in

Choose which invoices, no minimums

2 hours

Once approved, funded within 2 hours

Never

Your clients are never contacted

From 4%

Per invoice, quoted upfront

In short

How does invoice finance work for makers and distributors?

You pay for materials or stock before you can invoice, then sell to bigger customers who settle 30 to 90 days later. FundTap funds the invoice you are waiting on, up to 90% of it, and shows the exact fee before you confirm. FundTap funds it within 2 hours once approved, from 4%. Your customer is never contacted.

Last reviewed 26 August 2026

The gap

The Cashflow Squeeze for Makers and Distributors

Suppliers want paying before the stock even ships, sometimes months before a big retail or corporate customer settles the invoice on 60 or 90-day terms. FundTap funds the invoice you're waiting on, money already owed to you, brought forward on your own timing, so the next order doesn't have to wait behind the last one being paid.

How it works

Get funded in four steps.

Connect

Get approved

FundTap's approvals team reviews you, usually within a day.

Choose an invoice

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

Get paid

Once approved, FundTap funds you within 2 hours.

See how it works in full

What it costs

Pricing that hands you the control.

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

$0while it sits there

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

When you fund an invoice

4%from, per invoice

Up to 90% in your bank, funded within 2 hours once approved
Quoted before you confirm
No early repayment penalty
You choose which invoice, how long, and how much

Get set up for free

We are able to achieve scalability more easily with FundTap, making cost savings when ordering larger volumes of ingredients, and having capital available for huge packaging runs with long lead times.

SarahCo-Founder, YUM Foods

Before you check eligibility.

Can makers and distributors use invoice finance?

Yes. Makers and distributors commonly use invoice finance to bridge the gap between paying for materials or stock and being paid by their customers.

Does invoice finance work for seasonal businesses?

Yes. Because FundTap has no minimum volumes or lock-in contracts, you can use it heavily during peak seasons and not at all during quiet periods.

How much can I fund?

Funding scales with your invoice volume. The more invoices you issue, the more you can fund. There is no fixed limit.

Do I need to fund all my invoices?

No. Choose individual invoices to fund based on your cashflow needs. There is no whole-ledger requirement.

Is invoice finance better than a line of credit for makers and distributors?

Invoice finance scales with your revenue and does not add debt to your balance sheet. A line of credit has a fixed limit that may not keep up with growing order volumes. Many makers and distributors find invoice finance more flexible.

How does invoice finance compare to trade finance?

Trade finance helps fund the purchase of goods before you have sold them. Invoice finance helps you access cash after you have sold goods and invoiced the customer. They address different parts of the cash conversion cycle and can be used together.

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