Simple pricing. No surprises.

A base, plus a small amount for each day to the due date. Once approved, funded same day.

Get started See how it works

4.9 250+ reviews

A carpenter carrying a window frame through a room being renovated

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

What it costs

Pricing that hands you the control.

One flat fee per invoice you fund. There's no fee for setting the account up, holding it, or closing it.

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 same day once approved
Quoted before you confirm
No early repayment penalty
You choose which invoice, how long, and how much

Get set up for free

In short

How much does FundTap cost?

One flat fee, from 4% per invoice, shown in full before you confirm. No setup fees, no monthly charges, nothing owing while you're not using it. You're always the one deciding when that fee applies.

Last reviewed 19 August 2026

How much could I unlock?

You decide when this money shows up. Not your customer's payment terms.

Invoice amount

$4,500

Days until due

30 days

Up to 90% in your bank

$4,050

How the fee works

When your customer pays your invoice on the due date, we direct debit your account on the due date for the $4,285 advance plus the $235 fee, leaving you the remaining $215 of your $4,500 invoice.

No establishment fees
No monthly service charges
No early repayment penalty

Estimate only. Your exact fee is quoted before you accept funding.

Get funded

How it compares

One invoice at a time. No lock-in.

FundTap funds one invoice you choose, not everything you're owed. No lock-in, no ongoing commitment.

FundTapOnline invoice financeTraditional factoring

Easy to establish

Online and mobile

Links to your accounting system

Application approvalTypically same day48 hours+2 weeks+

Quick fundingSame dayDaysDays

No establishment fees

No monthly or annual fee

No exit or cancellation fee

No admin or system fees

Your customer pays into your normal account

Use only when needed, without penalty

Why FundTap

Funding that fits how a business actually runs.

No minimum, no lock-in

Fund one invoice, several, or none at all. Stop any time, with nothing owing.

See the fee before you commit

One flat fee from 4% per invoice, worked out for that invoice and quoted in full before you confirm.

Waiting costs nothing

Until it costs you a contract, a supplier relationship, or a payroll run.

Your limit grows as you do

It costs nothing to have one sitting there, and once an invoice is repaid the limit is ready again straight away.

Questions

Common questions about the fee.

Do you charge interest?

We don't charge interest. FundTap charges one fee per invoice: you see the exact cost before you confirm.

Does the fee change if the invoice is paid earlier or later than planned?

Yes, and it moves in both directions. The fee is recalculated for the actual number of days the funding runs. If your customer pays early it comes down, and if the repayment date moves out, those extra days are added and the fee goes up.

Can I fund part of an invoice?

Yes. You can fund any share of an invoice rather than all of it. Fund 20% if that's all the week needs, for a smaller fee, and more of the invoice stays with you when your customer pays.

Is the fee different if I don't use accounting software?

Connecting earns the standard fee. Without accounting software the fee starts higher. Either way you're quoted the exact fee for that invoice and that term before you confirm it.

Is there a minimum invoice I can fund?

The smallest invoice FundTap can fund is $300. On smaller invoices the fee is proportionally larger, so most people use it on the bigger ones, where getting paid weeks early is worth more than the fee.

Is there a maximum I can fund?

Your funding limit can start at up to $200,000, and it isn't a ceiling: there's no set cap on how much it can grow from there as your business does, just let our team know. Either way, it costs nothing to have whether you're using it or not.

What our customers say.

4.9 250+ reviews

Brenda Gunn

Posted on Google

6 Aug 2026

Fantastic to deal with, great communication and there to support when needed. Thank you.

Wade Keys

Posted on Google

6 Aug 2026

Great facility to have access to. We were onboarded by James, who was very helpful.

Awsam Gifts Ltd

Posted on Google

4 Aug 2026

Brilliant service, excellent rates and integrates seamlessly with my Xero, a pleasure to use. James Le Brun went above and beyond to help me get set up, thank you!

Loaded Candy

Posted on Google

4 Aug 2026

Great communication, clear terms and funding in 24 hours from invoice submission! Supports us in growing our business as we navigate cash intensive projects!

Laura Keil-Hall

Posted on Google

4 Aug 2026

Easy, simple and seamless application process. The team are very helpful and understanding.

Tony Raoren

Posted on Google

28 Jul 2026

FundTap has been a game changer for my business and has taken a lot of stress off waiting for invoices to be paid. I wish I found them sooner. Definitely recommend their service.

Pranav Meelu

Posted on the Xero App Store

24 Jul 2026

They have been seamless and friendly to work with.

Ben Newsome

Posted on the Xero App Store

17 Jul 2026

Highly professional team and very easy to use service.

Jhonatan Angello

Posted on Google

5 Jul 2026

FundTap provided a straightforward and professional experience throughout the funding process. Communication was clear, the team was responsive, and the process was efficient from start to finish. I appreciated the transparency and support provided along the way. I would recommend FundTap to other businesses looking for a simple and reliable funding solution.

Jonah Poloa

Posted on Google

25 Jun 2026

Great service and quick response time, professional staff.

Curtis Winsor

Posted on Google

25 Jun 2026

Easy to use and super helpful.

Siva Kunchala

Posted on Google

5 Jun 2026

FundTap is a great tool every business should try. It has been such a positive experience working with the team!

Jamie Emms

Posted on Google

5 Jun 2026

The FundTap setup process was the easiest I've ever done, and the website is super easy to work with. Each loan is simple, quick and hassle free.

Mark Watson

Posted on Google

28 May 2026

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!

Ryan Sankey

Posted on the Xero App Store

13 May 2026

Love this service. It really helps with our cashflow when our clients are slow to pay.

Mark Petts

Posted on the Xero App Store

11 May 2026

This process is quick and easy and fits our business model really well. Highly recommended to have a look at this.

Trust Contractors

Posted on the Xero App Store

11 May 2026

Really great service and quick payment. They really help take the edge off when waiting for clients to pay.

Paulo Summers

Posted on Google

8 Feb 2026

Quick and easy process. Great communication, especially when the invoices did not fit a standard format, they applied common sense and did not delay any processing. Highly recommend for when you need a stop-gap measure.

Kylie Sayer

Posted on Google

4 Dec 2025

Outstanding customer service. Easy process and super fast payment. Highly recommend signing up with FundTap. Being able to have access to funds now while waiting for payment took the pressure off. Thanks team!

Marina Davis

Posted on Google

22 Oct 2025

FundTap has truly solved a pain point I have faced since starting my business. I am both relieved and excited about the potential it has unlocked. Thank you so much!

Lawson

Posted on the Xero App Store

12 Jun 2025

Very easy to deal with, process was very quick.

Jack Dunn

Posted on the Xero App Store

8 May 2025

Easy to talk to and very helpful. I like having the backup when I need it; they made it so very easy to set up. 100% great customer service.

Ben Sharp

Posted on the Xero App Store

10 Apr 2025

Cash is King!! This service has been just what we needed.

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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.

Get started See how it works

4.9 250+ reviews

Last reviewed 19 August 2026