Cleaning for businesses and homes
The business does commercial cleaning around Northland. Its customers are a mix: households, building managers and commercial clients.
The commercial and building management customers pay on the 20th of the month after the invoice. A job done early in the month is a long way from being paid.
“...we just do a lot of commercial work and... we wait... to be paid for that.”
From a call with the FundTap team, March 2026
Wages and materials before the 20th
Most of the time the gap is manageable. Now and then it isn’t: a pay run and a materials bill land in the same stretch, and the commercial money is still a long way off.
When they signed up, the owner told the FundTap team they were looking at a one-off, to cover wages and materials while the commercial customers paid in their own time.
The fee shown first
They signed up in May 2025, connected their accounting software and chose one invoice to fund. The fee on it was quoted before they committed, and that was the whole cost: no ongoing fees, and a fee only on the invoices they fund.
The commercial customers still paid the business on their normal terms.
Wages paid and the materials bought
With that invoice funded, the wages went out and the materials were paid for, without waiting for the 20th to come round.
That has been the only invoice they’ve needed to fund.
That’s how it sits: the fee comes first, and whether to fund is their call. The next pay run that lands ahead of the 20th has an invoice it can be covered from.
The timeline
- May 2025 Signed up with wages and materials to pay, and the commercial customers not due until the 20th of the month after.
- May 2025 Connected their accounting software, and the account was approved.
- May 2025 Funded one invoice, covering the wages and materials.
In numbers
- 20th of the month after: when the commercial and building management customers pay
- Wages and materials: the costs that land before the 20th
- 1 invoice funded, in May 2025, covering wages and materials
Sound like your business?
Your commercial customers pay on the 20th of the month after, and the wages and the materials can’t wait. Fund the invoice that covers them, and only when it’s worth it.
Pay your team on time, every time, without waiting on your client.
Invoice finance for staffing and recruitment • All case studies
