A civil contractor in Melbourne: waiting on the head contractor

The story in short

• 48 invoices funded since May 2024, on 46 different days
• 15 of 29 months they’ve used FundTap since joining
• 6 invoices in October 2025, their busiest month
• 2 increases to their funding limit

The gap

When they joined, the business was young, and a young business doesn’t carry much slack. A large invoice from the head contractor ran past its due date, and the next jobs still needed paying for.

Their customer does pay. It just pays later than the terms say.

How they use FundTap

Since May 2024, they’ve funded 48 invoices on 46 different days, so it’s nearly always one invoice at a time. They’ve used FundTap in 15 of the 29 months since joining.

October 2025 was their busiest month, with six invoices. In the last six months they funded 10 invoices across four of those months. Their customers pay them as normal.

What’s changed

They funded nine invoices in 2024, 22 in 2025 and 17 so far in 2026. The funding limit has been raised twice along the way.

After more than two years, a slow payment from the head contractor is something they plan around.

Sound like your business?

The job’s finished and the invoice is in, but the head contractor pays at month end. FundTap funds that invoice so the next job starts on your terms.

Get paid now for work you’ve already done.

Invoice finance for construction and trades  •  All case studies

About this story. Anonymised: business and owner details are withheld. Counts are from FundTap’s records to 30 September 2026.