A deposit, then months of building
The business sells motorbikes, caravans and trailers from the lower North Island. Most of its customers are the public. The trailers also go to businesses, and those are invoiced on terms.
The caravans are built in-house, to order. The customer pays a deposit when the build is confirmed, and the balance is due when they come to collect. A build runs for months, and some run longer.
The bikes work differently again. If one isn’t in stock, it’s an order from the supplier, and nobody can say when it will land.
“...If we don’t have them, it’s an order. Who knows when it will be here?”
From a call with the FundTap team, October 2025
Stock that has to be bought first
A dealer can only sell what it has. Growing means more caravans in build and more bikes and trailers in stock, all paid for before a customer walks in. The deposit helps, but most of a caravan’s price arrives at pickup, long after the build started.
When they signed up in October 2025, the owner told the FundTap team the business had grown quickly and the builds were running longer, so more money was tied up in stock at any one time.
Until then, the owner had set the pace of the business by what came in the door.
“...We’ve always kind of just worked around what we got. What we get is what we get and we work around that. That’ll determine how much, how quick we can do things and how much we can afford in terms of growing stock levels...”
From a call with the FundTap team, October 2025
Funding an invoice while a build runs
Their broker introduced them to FundTap. They signed up in October 2025, connected Xero, and in November 2025 funded their first invoice.
They choose which invoice to put forward, and the fee is shown before they commit. Their customers keep paying the business direct, on pickup or on terms, as agreed when the order was placed.
Building stock faster
The aim was never one invoice. Money that would have waited for a pickup date goes into the next build and the next order of bikes instead, so there is more to sell.
Five invoices funded since November 2025, four of them in 2026 and the latest in August 2026. In the months between, with nothing funded, there’s nothing to pay.
“...It’ll just help us build stock quicker.”
From a call with the FundTap team, October 2025
The timeline
- October 2025 Introduced by their broker, signed up and connected Xero, with caravans in build and stock to grow.
- November 2025 Funded their first invoice.
- August 2026 Funded the most recent invoice, their fifth.
In numbers
- On pickup when a caravan customer pays the balance, months after the deposit
- 5 invoices funded since November 2025
- 4 invoices funded in 2026, to August
Invoices funded each month, as a table
| Month | Invoices funded |
|---|---|
| November 2025 | 1 |
| December 2025 | 0 |
| January 2026 | 1 |
| February 2026 | 0 |
| March 2026 | 1 |
| April 2026 | 0 |
| May 2026 | 1 |
| June 2026 | 0 |
| July 2026 | 0 |
| August 2026 | 1 |
| September 2026 | 0 |
Sound like your business?
The caravan takes months to build, the deposit is in, and the balance comes on pickup. Fund the invoice that’s holding up the next build.
Fund the next order without waiting on the last one.
Invoice finance for makers and distributors • All case studies
