A builder in Auckland: the month the claim went in late

Building work claimed a month at a time

The business is a building company in Auckland. Its contracts come through an organiser that coordinates building work paid for by government agencies, so the organiser runs the paperwork and the payment cycle.

The cycle is fixed. The claim for a month’s work has to be in by a cut-off a few days before the end of the month. It’s then paid on the 20th of the month after.

That’s a dependable payer, and the business values it. It also means the money for the work lands on the organiser’s timetable, not the builder’s.

When the claim misses the cut-off

At one point the business had the cut-off date wrong. They thought claims could go in at the start of the next month, so a claim went in after the real cut-off had passed.

At sign-up in September 2022, the owner told the FundTap team a whole month’s work had missed the run and would be paid a cycle late.

The work was done and its costs were already out the door. The bills for the next month’s jobs weren’t going to wait for the following run.

Funding the claim instead of waiting

They signed up in September 2022, connected Xero and funded their first claim to the organiser. The fee showed before they committed, and it applied only to that claim.

The organiser still pays the business directly, on its own run. Nothing changes on that side.

Keeping next month’s jobs moving

Funding a claim moves the money for a month’s work to when the business needs it: while the next month’s jobs are under way, not after the 20th.

That’s how they’ve used it, a claim here and there when the cycle and the bills didn’t line up. They funded four claims in 2023, two of them in March 2023, and then none at all through 2024.

There when the cycle slips

The account cost them nothing through the stretches they didn’t use it. They funded one claim in 2025 and one in March 2026, with their funding limit raised in December 2025.

Over four years they’ve funded seven claims. Every other claim went through the organiser’s run as normal.

The timeline

1. September 2022 Signed up and connected Xero, after a claim went in past the organiser’s cut-off.
2. September 2022 Funded their first claim to the organiser.
3. March 2023 Funded two claims in the month, the most so far.
4. December 2025 Funding limit raised.
5. March 2026 Funded a claim again, the most recent in the records.

In numbers

• 20th of the month after: when the organiser pays a claim that made the cut-off
• 7 claims funded since September 2022, picked when the cycle and the bills didn’t line up
• 4 claims funded in 2023, their biggest year
• 1 increase to their funding limit, in December 2025

Sound like your business?

Your claim is in and the payer is good for it, but the payment run is on their timetable, not yours. Fund that claim and keep the next job moving.

Get paid now for work you’ve already done.

Invoice finance for construction and trades  •  All case studies