From households to government
The business is a consulting engineering practice in regional Queensland. Its clients run from mums and dads with a job that needs an engineer, through to government.
At the top end it is engaged on multi-year government contracts for major infrastructure projects. It bills for its work under those contracts, and the payment comes on the contract’s terms.
The wait on the government work
A multi-year contract is good work to have. It also means the business pays for its side of the project all the way through. Each payment lands when the contract says it will, not when the costs do.
When they signed up in December 2024, the owner told the FundTap team the business was after a couple of months of cashflow to work with.
Funding the invoices in the gap
They signed up in December 2024 and connected Xero. In February 2025 they funded their first invoice, and five between then and June 2025.
The owner picks the invoice, with the fee in front of them before they say yes, and the client still pays the business on the contract’s terms.
The day-to-day covered in the gap
A funded invoice turns a payment due on its own date into money the business can use in the gap, while the work on the projects carries on.
That was the buffer the owner was after. The business keeps working on the big projects, and the bills that fall due before the next contract payment get paid without waiting on it.
The last invoice was funded in June 2025, and there has been nothing to pay since. The next invoice that lands on the wrong side of the bills can be funded on its own.
The timeline
- December 2024 Signed up, with multi-year government contracts on the books and a gap between their payments to cover.
- December 2024 Connected Xero, ready for the first invoice.
- February 2025 Funded their first invoice.
- June 2025 Funded the most recent invoice, the fifth since February.
In numbers
- Multi-year government contracts, paid on the contract’s terms
- 5 invoices funded between February and June 2025
- 1 invoice funded in February 2025, the first
Invoices funded each month, as a table
| Month | Invoices funded |
|---|---|
| February 2025 | 1 |
| March 2025 | 1 |
| April 2025 | 1 |
| May 2025 | 1 |
| June 2025 | 1 |
| 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 | 0 |
| June 2026 | 0 |
| July 2026 | 0 |
| August 2026 | 0 |
| September 2026 | 0 |
Sound like your business?
The contract runs for years and pays on its own dates. When a payment falls on the wrong side of the bills, fund that invoice, and only that one.
Fund a specific invoice when the timing doesn’t work. Pay nothing when it does.
Invoice finance for professional services • All case studies
