Simple pricing. No surprises.
One flat fee per invoice funded. That’s it. No monthly fees, no establishment fees, no exit fees. You only pay when you use it.
⭐⭐⭐⭐⭐ 4.9 on Google & Xero • 33% average revenue growth for FundTap customers
How pricing works
One flat fee per invoice
The fee is calculated as a percentage of the invoice value and varies based on:
- The size of the invoice
- How long your customer takes to pay
You see the exact fee before you confirm. No commitment until you’re ready.
What you don’t pay
| Fee type | FundTap | Traditional providers |
|---|---|---|
| Establishment / setup fee | None | Often $500-$2,000+ |
| Monthly / annual fee | None | $100-$500+/month |
| Exit / cancellation fee | None | Sometimes significant |
| Minimum usage fee | None | Common |
| Invoice processing fee | None | Sometimes $25-$50/invoice |
“As a sole trader, I never thought invoice finance was for me. FundTap changed that, I signed up in under 10 minutes and had money in my account the next morning.”
Mike D., Electrical Contractor, Brisbane
How fees are charged
- Select an invoice/s and see the exact cost of capital before you choose to proceed
- We pay you up to 90% of the invoice value, within hours
- Your customer pays you as normal, on their usual terms
- Once they’ve paid, FundTap collects the advance plus the fee via direct debit
You never get a surprise bill. The fee is transparent before you accept the payment from FundTap.
How much can I borrow?
We cannot fund invoices for greater than 12 weeks.
You can get $0 in your bank account in hours.
When your customer pays your invoice of $200, we then direct debit your account for the advance of $180 and the fee – in this case, $43.
We know for many businesses, their customers do not pay on time. 3 days before we direct debit your account, we send an email reminder. You can then change this direct debit date if needed up to 24 hours before - up to 5 days beyond the due date.
For delays beyond 5 days, proactive communication is really important. Please get in touch with the team.
Common questions about pricing
Is there a fee to apply or get set up?
No. Setting up FundTap is completely free. You only pay a fee when you choose to fund an invoice.
What if my customer pays late?
The fee is based on how long the invoice is outstanding. If your customer pays later than expected, the fee adjusts accordingly, you’ll always see the updated amount before any charges are applied.
Can I see the fee before I commit?
Yes. You see the exact fee in the FundTap platform before you confirm each invoice. No commitment until you’re ready.
Is there a maximum I can fund?
Your funding limit grows as you build a track record with FundTap. New customers start with a limit that grows over time based on usage and customer payment history.
What our customers say
★★★★★ 4.9 · 254 reviews across Google and Xero
JJamie EmmsReviewed on Google
G★★★★★
“The FundTap setup process was the easiest I have ever done, and the website is super easy to work with. Each loan is simple, quick and hassle free.”
MMark PettsReviewed on Xero
X★★★★★
“This process is quick and easy and fits our business model really well. Highly recommended to have a look at this.”
DDennis ChiketaReviewed on Google
G★★★★★
“Dealing with FundTap was a really easy process. Really happy with their service and would recommend anyone.”
TTrust ContractorsReviewed on Xero
X★★★★★
“Really great service and quick payment. They really help take the edge off when waiting for clients to pay.”
JJoanna GratkowskiReviewed on Google
G★★★★★
“Fantastic to deal with, very easy and straightforward process and the team members are great to deal with. 10/10.”
SSiva KunchalaReviewed on Google
G★★★★★
“FundTap is a great tool every business should try. It has been such a positive experience working with the team!”
Frequently asked questions
How much does FundTap cost?
You pay a single 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.
Will I know the cost before I commit?
Yes. You always see the exact fee for an invoice before you confirm it. Nothing is hidden and there are no ongoing charges.
Do I save money if I repay early?
Yes. If your customer pays early, or you move your repayment date forward in the portal, the fee reduces automatically with no penalty.
Are there any ongoing or hidden fees?
No. There are no setup fees and no monthly charges. You only pay when you choose to fund an invoice.
What happens if my customer pays late?
You can extend your repayment date in the portal. If an invoice runs past its due date a fee may apply, so it is best to update your date early or contact the team.
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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