Bulk loads on end-of-month terms
The business carries bulk agricultural freight around regional Western Australia. It’s big loads for customers who are set up to pay on terms.
At sign-up, the owner told the FundTap team most of the invoices went out on end-of-month terms.
That means a load carried early in the month isn’t paid until the end of the month after. Even a load carried right at the end of the month waits until the next month is over.
Road-user charges, diesel and wages
A carrier’s costs don’t run on end-of-month terms. The road-user charges, the diesel and the wages all fall due while the invoices for the loads are still weeks from being paid.
When they signed up in August 2026, the owner explained to the FundTap team that the funding would be for the occasional road-user charge, diesel bill or wage run.
The loads are there and the customers pay as agreed. The costs just land first.
Funding the loads already carried
Their broker introduced them to FundTap. They signed up in August 2026, connected Xero, and funded five invoices in that first month.
The fee shows on each invoice before they commit, and the customers still pay the business on their end-of-month terms.
Diesel and wages paid as they fall due
With an invoice funded, the money for the road-user charges, the diesel and the wages is there when each one falls due, rather than at the end of the month after. The wages go out without anyone waiting on a customer.
Their funding limit was raised in September 2026, and they funded another five invoices that month: 10 in all since August 2026. They choose which invoices to fund, and pay nothing on the ones they don’t.
The timeline
- August 2026 Introduced by their broker and signed up, with most invoices paid at the end of the month after.
- August 2026 Connected Xero and approved.
- August 2026 Funded their first invoices, five in that first month.
- September 2026 Funding limit raised.
- September 2026 Funded five more invoices, the most recent in the records.
In numbers
- 30 days from the end of the month: when most of their customers pay
- 10 invoices funded since August 2026
- 5 invoices funded in August 2026, the first month
- 1 increase to their funding limit, in September 2026
Sound like your business?
The load’s delivered and the invoice says the end of next month, but the diesel and the wages are due now. Fund that invoice and pay them.
You did the work. Don’t wait until the 30th to get paid.
Invoice finance for transport and logistics • All case studies
