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TL;DR: Professional services businesses — consultants, IT firms, lawyers, architects, and engineers — often wait 30–60 days for clients to pay project invoices. Fundtap advances you the cash from outstanding invoices within hours, so you can cover salaries, software, contractors, and overheads without waiting for payment cycles to complete.
The Cash Flow Challenge in Professional Services
Professional services firms typically bill high-value invoices on completion of projects, milestones, or monthly retainers. But clients — especially corporates and government agencies — often operate on 30 to 60-day payment terms.
The result: your team has delivered the work, the invoice is issued, but the cash won’t arrive for weeks. Meanwhile, salaries, software licences, subcontractors, and other costs continue every month.
This timing gap is one of the most common cash flow challenges facing professional services businesses of all sizes — from sole-practitioner consultants to 50-person advisory firms.
How Invoice Finance Works for Professional Services
Fundtap connects to your accounting software (Xero, MYOB, or QuickBooks), giving you a live view of your outstanding invoices. When you need cash, you select the invoice you want funded and receive an advance within hours — typically 80–90% of the invoice value.
When your client pays the invoice, the advance is settled automatically. You keep the difference minus Fundtap’s transparent fee.
- Fund project invoices as soon as they’re issued
- Cover salaries and contractor costs without waiting for client payment
- Take on new projects while previous ones are still being paid
- No security required — your invoices are the collateral
Industries We Serve Within Professional Services
Fundtap works across the full spectrum of professional services, including:
- Management consulting — strategy, operations, and transformation projects
- IT and technology services — software development, implementation, and managed services
- Legal services — commercial law firms billing corporate clients
- Architecture and engineering — project and milestone billing
- Marketing and creative agencies — retainer and project-based work
- Accounting and bookkeeping — advisory and compliance services
- HR and recruitment consulting — retained and contingency placement
Why Professional Services 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 clients are never notified
- No whole-ledger requirement — fund only the invoices you choose
- Works across both Australia and New Zealand
Common Scenarios
IT Firm Waiting on a 60-Day Corporate Account
A 12-person software development firm completes a $180,000 integration project. The corporate client pays on 60-day terms. With Fundtap, the firm can advance against that invoice immediately — covering developer salaries and cloud infrastructure costs while the payment clears.
Consultant Bridging Between Retainers
A management consultant issues $45,000 in retainer invoices at the start of each month. Clients pay within 30 days. Fundtap lets the consultant access those funds on day one rather than day 30, smoothing cash flow without affecting the client relationship.
Agency Covering Freelancer Costs Upfront
A digital marketing agency subcontracts creative work, paying freelancers on delivery. But clients pay 45 days after project completion. Invoice finance bridges the gap between paying the team and receiving the client payment.
Get Started with Fundtap
Connect your accounting software and get funded within hours. No lock-in, no whole-ledger commitment, and fees starting from 4%.
Get Started Free → How It Works