Concrete, earthworks, mine sites
The business does civil construction in regional South Australia: earthworks and concrete, the groundwork that everything else gets built on. It has grown into work for the mining sector.
Its standard terms are a fortnight, and not every client keeps to them. The mining companies are different again. Their terms are a month, and a month is when they pay.
When they signed up in October 2024, the owner told the FundTap team the mining work paid on a month, past their own terms.
Wages now, the mine pays in a month
A mining job means a crew on site, and a crew on site means wages. Those get paid right through the job, whatever the invoice says.
So a month’s terms on a mining invoice means a month of paying people before the money for their work arrives. On a bigger job, that gap is the whole problem.
The owner told the FundTap team what they wanted covered was wages, while the mining payments came through.
Funding the mining invoices
They signed up in October 2024 and didn’t need to fund anything at first. In June 2025 they funded their first two invoices.
The business picks which invoice to fund and sees the fee before it commits. The mining company pays the business on its usual terms, a month after the invoice, and deals only with the business, as before.
Payday covered, crew kept on site
With the mining invoice funded, payday comes out of work the crew has finished, not out of the next job’s money. The crew stays on the job and the job keeps its timetable.
That’s what lets a small civil business take mining work on mining terms. The month’s wait is still there, but it isn’t the wages that carry it.
More room as the work grew
They’ve funded eight invoices since June 2025, six of them in 2026. In August 2026 their funding limit was raised twice, and September 2026 was their busiest month, with three invoices funded.
When a mining invoice doesn’t need funding, there’s no fee and nothing to do.
The timeline
- October 2024 Signed up, with mining clients paying on a month and wages to cover in the meantime.
- June 2025 Funded their first two invoices.
- August 2026 Funding limit raised twice in the one month.
- September 2026 Their busiest month so far, with three invoices funded.
In numbers
- 30 days: the terms the mining companies pay on
- 8 invoices funded since June 2025, six of them in 2026
- 2 increases to their funding limit, both in August 2026
- 3 invoices funded in September 2026, the busiest month
Invoices funded each month, as a table
| Month | Invoices funded |
|---|---|
| June 2025 | 2 |
| 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 | 1 |
| June 2026 | 0 |
| July 2026 | 0 |
| August 2026 | 2 |
| September 2026 | 3 |
Sound like your business?
Your crew is on a mine site and the mining company pays in a month. Fund that invoice and make payday from the work they’ve finished.
Get paid now for work you’ve already done.
Invoice finance for construction and trades • All case studies
