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 the same day once approved, from 4%. Your customer is never contacted.
Last reviewed 21 August 2026
The Cashflow Squeeze for Makers and Distributors
Makers and distributors are two kinds of business with one cash gap. Makers buy raw materials, components and labour before there is anything to invoice. Distributors buy stock and imports before it ships. Both then sell to bigger customers who pay on 30, 60 or even 90-day terms. The larger the order book, the more money sits in stock and unpaid invoices.
Production time and seasonal demand both stretch the gap. A long production run, or stocking up before a peak period, means paying out months before the money comes back.
How Invoice Finance Works for Makers and Distributors
With FundTap, you select invoices from your accounting software and receive funds the same day. Use the cash to pay suppliers, buy materials, restock, and fund the next order without waiting on the last one.
- Fund materials and supplier payments from outstanding customer invoices
- Keep production and stock moving through seasonal demand
- Take on larger orders with confidence
- No factory, equipment, stock or property security required
Why Makers and Distributors Choose FundTap
- Funded the same day
- No lock-in contracts or minimum volumes
- Single fee from 4% per invoice
- Confidential, customers never notified
- Scales with your order volume
- Integrates with Xero, MYOB, and QuickBooks
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Frequently asked questions
Can makers and distributors use FundTap?
Yes. Makers and distributors 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.
Will my clients know I am using invoice finance?
No. FundTap never contacts your customers. Your clients keep paying you directly.
How fast can a maker or distributor get funded?
Setup takes about 30 minutes, approval is usually within 24 hours, and most invoices are funded the same day of approval.
Do I have to fund all my invoices?
No. You choose which invoices to fund, one at a time. There are no lock-ins, no minimums and no whole-ledger commitment.
What does it cost?
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.
Yes. Makers and distributors commonly use invoice finance to bridge the gap between paying for materials or stock and being paid by their customers.
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.
Funding scales with your invoice volume. The more invoices you issue, the more you can fund. There is no fixed limit.
No. Choose individual invoices to fund based on your cashflow needs. There is no whole-ledger requirement.
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.
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.