A building services firm in Melbourne: a month of cleaning before it’s paid

Cleaning for a handful of clients

The business does cleaning and building services for commercial clients around Melbourne. A handful of main clients make up most of the work, with one-off jobs on top.

The main clients are billed by the month. The cleaning is done right through the month, and the invoice for it goes in once the month is over.

It’s a young business, and those main clients are most of what it has.

A month of work, then the wait

Billing by the month means the business carries a whole month of cleaning before it can even send the invoice. Then the client’s terms start, and some clients take weeks beyond that to pay.

The costs of that month’s work don’t wait. For a new business with a short list of clients, one slow payer is a big share of the month’s money.

When they signed up in May 2024, the owner told the FundTap team the main clients paid by the month and that some of them took weeks longer than that.

Funding the slow invoice

They signed up in May 2024, connected Xero and funded one invoice that month. From there the owner has chosen which client invoices to fund, seeing the fee before committing to each.

The clients still pay the business direct, on the terms they agreed.

A bigger invoice than before

By August 2026 the invoices were bigger than the ones the business started with. One came in slightly above what the funding limit would cover, so part of it was funded first.

In August 2026, once the funding limit had been raised, the owner asked the FundTap team to fund the rest of that invoice.

The limit went up twice that month, and August 2026 was the busiest month so far, with four invoices funded. The whole invoice was funded, and the business got on with the next month’s work.

Still a young business

They funded four invoices in 2024, 10 in 2025 and 10 in 2026 to September. When a client pays on time, that invoice never goes near FundTap, and there’s nothing to pay.

The timeline

1. May 2024 Signed up and connected Xero, a young business billing its clients by the month.
2. May 2024 Funded their first invoice.
3. August 2026 A bigger invoice than before, and the funding limit raised twice to carry it.
4. August 2026 The busiest month so far, with four invoices funded.
5. September 2026 Funded two more client invoices, the most recent so far.

In numbers

• 24 invoices funded since May 2024
• 2 increases to their funding limit, both in August 2026, as the invoices grew
• 4 invoices funded in August 2026, the busiest month
• 10 invoices funded in 2026 to September, matching the whole of 2025

Sound like your business?

The month’s cleaning is done, the invoice is in, and the client will pay when they pay. Fund that one invoice and get on with next month.

Pay your team on time, every time, without waiting on your client.

Invoice finance for staffing and recruitment  •  All case studies