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.
The fee is calculated as a percentage of the invoice value and varies based on:
You see the exact fee before you confirm. No commitment until you’re ready.
| 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
You never get a surprise bill. The fee is transparent before you accept the payment from FundTap.
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.
Estimate only. Actual fees can vary by industry and may differ for manual upload clients (those not connected to accounting software). Your exact fee is always quoted before you accept funding.
No. Setting up FundTap is completely free. You only pay a fee when you choose to fund an invoice.
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.
Yes. You see the exact fee in the FundTap platform before you confirm each invoice. No commitment until you’re ready.
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.
★★★★★ 4.9 · 257 reviews across Google and Xero
“Great service and quick response time, professional staff.”
“Easy to use and super helpful.”
“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!”
“Love this service. It really helps with our cashflow when our clients are slow to pay.”
“This process is quick and easy and fits our business model really well. Highly recommended to have a look at this.”
“Really great service and quick payment. They really help take the edge off when waiting for clients to pay.”
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.
Yes. You always see the exact fee for an invoice before you confirm it. Nothing is hidden and there are no ongoing charges.
Yes. If your customer pays early, or you move your repayment date forward in the portal, the fee reduces automatically with no penalty.
No. There are no setup fees and no monthly charges. You only pay when you choose to fund an invoice.
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.