Loads moved now, paid next month
The business is a cartage specialist in the lower North Island, with a mechanical workshop alongside the trucks.
Each load is invoiced, and the customer pays on the 20th of the month after. One month’s work is paid part-way through the next.
The bills don’t wait for the 20th
Trucks cost money whether the invoice has been paid or not, and a workshop has bills of its own. They land when they land, and none of them line up with the customers’ payment date.
When they signed up in March 2025, the owner told the FundTap team the bills were due before the 20th, when most of the previous month’s work would be paid.
The owner also said most of the customers paid on time, and some didn’t. When one runs late, the wait stretches past the 20th.
Funding the cartage invoices
Their broker introduced them to FundTap. They signed up in March 2025 and connected their accounting software, and that month they funded 16 invoices.
The owner chose which invoices to fund and saw the fee on each one before committing. The customers paid the business on the 20th, on the terms they’d already agreed.
The bills paid first
With the invoices funded, the bills were paid before the 20th instead of after it, and the money for the month’s cartage came in when the customers paid.
They haven’t funded an invoice since. An unused account isn’t charged, and it’s there for the next time the bills come in first.
The timeline
- March 2025 Introduced by their broker and signed up, with bills due ahead of the 20th.
- March 2025 Connected their accounting software and were approved.
- March 2025 Funded their first invoices, 16 that month.
In numbers
- 20th of the month after: when the cartage customers pay
- 16 invoices funded in March 2025, the month they signed up
- Trucks and a workshop: the bills that land before the 20th
Invoices funded each month, as a table
| Month | Invoices funded |
|---|---|
| March 2025 | 16 |
| April 2025 | 0 |
| May 2025 | 0 |
| June 2025 | 0 |
| July 2025 | 0 |
| August 2025 | 0 |
| September 2025 | 0 |
| October 2025 | 0 |
| November 2025 | 0 |
| December 2025 | 0 |
| January 2026 | 0 |
| February 2026 | 0 |
| March 2026 | 0 |
| April 2026 | 0 |
| May 2026 | 0 |
| June 2026 | 0 |
| July 2026 | 0 |
| August 2026 | 0 |
| September 2026 | 0 |
Sound like your business?
Your customers pay on the 20th of the month after, and the bills for the trucks come in first. Fund the invoices when that happens, and pay nothing when it doesn’t.
You did the work. Don’t wait until the 30th to get paid.
Invoice finance for transport and logistics • All case studies
