Online shoppers pay now, accounts later
The business sells clothing from Auckland in two ways. Online, shoppers pay as they order, and the money arrives with the sale. Wholesale, the clothing goes to accounts in New Zealand and overseas, and they pay on trade terms.
A wholesale account confirms an order and pays a deposit. The balance isn’t due until the 20th of the month after the order is delivered.
Made, shipped, then the wait
A wholesale order has to be made before it can ship. The making is paid for while the deposit is the only money in. Then the order is delivered, and the wait begins for the 20th of the following month.
When they signed up in October 2025, the owner told the FundTap team that the balance on a wholesale order came on the 20th of the month after delivery, and that some accounts paid nothing up front at all.
That’s a long stretch between finishing one order and being paid for it, with the next one already needing to be made.
Funding the balance invoice
Their accountant pointed them to FundTap. They signed up in October 2025, connected Xero, and funded their first invoice that month.
They decide which invoice to put forward, and the fee is shown before they commit. The account still pays the business on the 20th, as agreed when the order was confirmed.
Room to take the wholesale orders
With the balance invoice funded, the money from a delivered order is in before the next one has to be made. The deposit covers the start of a run, and the funded invoice covers the rest of the wait.
Four invoices funded since October 2025, three of them in 2026 and the most recent in June 2026. The online sales keep paying up front, and when a wholesale account’s timing isn’t a problem, there’s nothing to fund and nothing to pay.
In a public review, the owner said FundTap had fixed a problem they had lived with from the day the business started, and that they were excited about what it opened up.
The timeline
- October 2025 Referred by their accountant and signed up, with wholesale accounts paying on the 20th of the month after delivery.
- October 2025 Connected Xero and funded their first invoice.
- June 2026 Funded the most recent invoice, their fourth.
In numbers
- 20th of the month after delivery: when the wholesale accounts pay the balance
- 4 invoices funded since October 2025
- 3 invoices funded in 2026, to June
Invoices funded each month, as a table
| Month | Invoices funded |
|---|---|
| October 2025 | 1 |
| November 2025 | 0 |
| December 2025 | 0 |
| January 2026 | 0 |
| February 2026 | 0 |
| March 2026 | 1 |
| April 2026 | 0 |
| May 2026 | 1 |
| June 2026 | 1 |
| July 2026 | 0 |
| August 2026 | 0 |
| September 2026 | 0 |
Sound like your business?
The order is made, delivered and invoiced, and the account pays on the 20th of the month after. Fund that invoice and get the next range made.
Fund the next order without waiting on the last one.
Invoice finance for makers and distributors • All case studies
