Driveways to shed slabs
The business does residential and commercial concreting across the top of the South Island. A driveway one day, a shed slab the next, with the crew and the concrete to pay for on every pour.
The customers are a mix of homeowners and businesses. A private customer sometimes pays as soon as the job is done. The businesses they know pay reliably, on their own terms.
Either way, the concrete is bought and the crew is paid before the invoice is. On a run of jobs, that gap adds up.
The 30th, with the jobs still unpaid
In the run-up to Christmas the business was growing, with jobs booked back to back.
Every pour added another invoice waiting to be paid, and the costs kept landing in the meantime. One payment in particular was due around the 30th, before the money from the finished jobs had arrived.
In November 2025, the owner told the FundTap team a payment was due around the 30th and asked about funding an invoice to cover it.
“...it’s just more of this kind of Christmassy period, we just like to have this there.”
From a call with the FundTap team, November 2025
Picking the invoice to fund
Their accountant pointed them to FundTap, and they signed up in November 2025 and connected Xero. Before anything was funded, the owner asked the FundTap team whether the fee would show before they committed to an invoice.
It does, and in December 2025 they funded their first invoice. The owner picks the ones from customers they know will pay, and those customers go on paying the business directly.
“...sometimes private clients can actually pay earlier, but businesses that we know that are really good payers and stuff give us that peace of mind.”
From a call with the FundTap team, December 2025
Saying yes to the next pour
With the first invoice funded, the pre-Christmas work could carry on at full pace. The crew kept pouring, the concrete kept getting paid for, and the customers paid when their terms said.
The growth didn’t stop at Christmas. Through 2026 they have funded eight invoices, two of them in August 2026, their busiest month so far.
The next busy season
They have funded nine invoices since December 2025, and the fee has been on the screen before every yes.
Between those, nothing is owed. The next time a bill lands ahead of a customer’s payment, there’s an invoice ready to fund.
The timeline
- November 2025 Referred by their accountant and signed up, with jobs stacking up before Christmas.
- November 2025 Asked the FundTap team about covering a payment due around the 30th.
- December 2025 Funded their first invoice, with the fee shown before they accepted it.
- August 2026 Their busiest month so far, with two invoices funded.
- September 2026 Funded the most recent invoice in the records.
In numbers
- 30th of the month: when a payment was due, before the finished jobs had paid
- 9 invoices funded since December 2025, one job at a time
- 8 invoices funded in 2026, as the work kept growing
Sound like your business?
The pours are booked back to back, the customers pay after the fact, and a bill is due on the 30th. Fund one invoice and keep pouring.
Get paid now for work you’ve already done.
Invoice finance for construction and trades • All case studies
