Almost any make or model
The workshop is in Sydney and takes on almost any make or model, from modifications and upgrades to servicing and repairs.
Most customers are private drivers. There is also a fleet operator, and what its vehicles need changes from visit to visit.
How a job is paid depends on the job. A straight service is paid on the day. On bigger work with parts to order, the customer is invoiced at the appointment. Some pay a deposit then, and the balance falls due on the day of the install.
“...some customers I’ll invoice there and then, and then give them a due date for the install day...”
From a call with the FundTap team, December 2025
Summer, with parts still to pay for
The parts are the catch. The workshop buys them outright from the suppliers, so a big parts order is paid for long before the customer’s balance is due. Bookings run well ahead, and some parts take months to arrive.
Then there’s summer. From December to February the bookings thin out and turnover drops well below a busy month. Wages still go out, parts still have to be paid for, and the balances still land on install day, not before.
In December 2025, the owner told the FundTap team that most of the suppliers had shut for the Christmas break, so jobs were waiting on parts.
“...trying to get through the slow period for us, which is like December all the way to about February.”
From a call with the FundTap team, December 2025
Funding the jobs already invoiced
Their broker introduced them to FundTap in December 2025, with the quiet stretch already under way. They signed up and connected Xero.
On the first call, the owner asked the FundTap team whether the fee was a fixed percentage of each invoice. The fee is quoted on each invoice before they commit, there’s no lock-in, and nothing is charged when nothing is funded.
In December 2025, the owner also mentioned to the FundTap team that a handful of install jobs were already invoiced, with the balances due in the new year. In January 2026 they funded their first invoice. The customer still pays the workshop directly, on the due date agreed at the appointment.
Parts ordered, the team paid
The point was never the invoice itself. It was the parts on order and the wages for the quiet weeks, paid without waiting on a balance that wasn’t due until install day.
That is the shape of this workshop’s gap: money out for parts and people first, money in on install day. Funding an invoice for a booked install closes it, and the customer’s terms don’t change.
Not every job needs it. A service paid on the day doesn’t. The gap is on the bigger parts-and-install jobs, invoiced ahead with a long wait.
Ready for the next quiet stretch
That January 2026 invoice is the only one funded so far. Nothing has gone through since, and the months in between haven’t cost the workshop anything.
The work doesn’t come in a set size, and neither does the gap. When the next big parts order or the next summer lands before a customer’s balance, the account is there for the invoice that matters.
“...I look after a fleet business... their amount fluctuates, like sometimes they just need tyres, sometimes they need wheels, tyres, sometimes they need brake pads, servicing...”
From a call with the FundTap team, December 2025
The timeline
- December 2025 Introduced by their broker and signed up, with the summer slowdown already under way.
- December 2025 Connected Xero, with a handful of install jobs already invoiced for the new year.
- January 2026 Approved, with nothing to pay until an invoice is funded.
- January 2026 Funded their first invoice, with parts and wages to pay before the balances landed.
In numbers
- Dec to Feb the quiet stretch, when the bookings thin out
- 1 invoice funded so far, in January 2026, for a booked install
- Install day when the customer’s balance falls due, long after the parts are paid for
Sound like your business?
The parts are paid for before the customer’s balance lands, and summer slows the bookings. Fund the invoice on a booked install and keep the team paid.
Get paid now for work you’ve already done.
Invoice finance for construction and trades • All case studies
