Platform partners · Embedded finance
Embedded invoice finance, built into your platform.
Your customers feel the payment-timing gap inside your product, at the invoice and on the job. FundTap lets you solve it without becoming a lender, carrying risk, or building a finance team.
Live in NZ & AU
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Referral to full API
You bring the moment. We carry the finance.
- FundTap owns assessment, funding and risk
- A revenue share on funded outcomes
- Start with a link, grow into the API
What you get
Solve a real problem, own none of the risk
None of the risk
You bring the moment and the trust. FundTap owns eligibility, assessment, onboarding, funding, support and all the financial risk.
Stickier customers
A practical reason for customers to stay, and a reason to re-engage the base you already have.
Revenue share
You earn on what actually funds, not on referrals sent. Aligned to outcomes, not activity.
A reciprocal listing
Your business featured in the FundTap partner directory, in front of our customers and partners.
The insight
Timing, not lending. And it shows up in your data first.
Most cashflow squeezes look like a borrowing problem. They're not. The money is already earned, sitting in unpaid invoices. That gap appears inside your product, at the invoice and on the job, before it shows up anywhere else.
How embedding works
Start simple, go deeper as it proves out
Three ways to connect, from a link you can ship this week to a funding flow inside your product.
Light
Referral
A simple tracked link or button in your product. Live in days, no build required.
Medium
Embedded onboarding
Your product owns the experience and the moment. FundTap owns assessment and funding behind it.
Deep
Full API
Your customers authorise once, then fund from inside your platform. The cashflow layer, built in.
Who it's for
Platforms where SMEs invoice on terms
If your customers send invoices and wait to be paid, the timing gap is native to your product. We work with platforms across New Zealand and Australia.
Job & trade management
Onboarding & credit
Business management
Professional services
Transport & logistics
Wholesale & distribution
What customers say
Rated 4.9 by the businesses we fund
Real reviews from FundTap customers on Xero and Google. On average, FundTap customers grew revenue 54% over two years.
★★★★★ 5.0 on Xero · 110 reviews★★★★★ 4.9 on Google · 147 reviews📈 54% average revenue growth over 2 years
★★★★★
Great service and quick response time, professional staff.
Jonah PoloaGoogle review
★★★★★
Easy to use and super helpful.
Curtis WinsorGoogle review
★★★★★
Very easy to set up and gain funding for my first invoice. FundTap were on it even on a Friday evening and I received funding as agreed. Great communication and support all the way through - highly recommend FundTap!
Mark WatsonGoogle review
★★★★★
Love this service. It really helps with our cashflow when our clients are slow to pay.
Ryan SankeyXero review
★★★★★
This process is quick and easy and fits our business model really well. Highly recommended to have a look at this.
Mark PettsXero review
★★★★★
Really great service and quick payment. They really help take the edge off when waiting for clients to pay.
Trust ContractorsXero review
Common questions
Embedded finance questions
What does embedded invoice finance mean for my platform?
Your customers turn an unpaid invoice into funding inside your product, without leaving it. FundTap provides the funding, assessment and support behind your experience, so you add a cashflow layer without building a finance team.
Do we become a lender or carry any risk?
No. FundTap owns eligibility, assessment, onboarding, funding, support and all the financial risk. You bring the moment and the trust.
How do we integrate?
Three ways, from light to deep: a tracked referral link or button (live in days), embedded onboarding (you own the experience, FundTap owns assessment and funding), or the full API (your customers authorise once, then fund from inside your platform).
How does the revenue share work?
You earn a revenue share on funded outcomes, not on referrals sent. Exact terms are commercial and partner-specific, so we agree them with you.
Which platforms is this built for?
Platforms whose customers invoice and wait to be paid: job and trade management, onboarding and credit, business management, professional services, transport and logistics, wholesale and distribution, across New Zealand and Australia.
What does the end customer get?
Invoice finance from 4% per invoice, funded within hours of approval, selective so they choose which invoices to fund, with no lock-in.
Learn more about how invoice finance works, pricing and how it compares. Other ways to partner with FundTap: the partner programme, accountants & bookkeepers, brokers & advisers.
Talk to us about embedding
Tell us about your platform and your customers. We'll map the simplest way to add a cashflow layer, and where it goes from there.
- A commercial conversation, not a cold pitch
- Start with a link, no heavy build to begin
- A revenue share on funded outcomes
Talk to us about embedding
FundTap provides invoice finance for small businesses across Australia and New Zealand. FundTap is the trading name of Seascape (2010) Limited, 255 Hardy Street, Nelson 7010. Our Australian business number (ABN) is 47914654579 and our New Zealand business number (NZBN) is 9429031726887.
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