The challenge
Courier work is billed in arrears. Customer payments arrive on 30-day terms or longer, while fuel, subcontracted drivers and vehicle running costs fall due continuously. The gap is entirely predictable, and it repeats every week — which makes it a timing problem rather than a trading one.
How they use FundTap
They fund invoices only in the weeks they need to, rather than carrying a facility they pay to keep open. Their customers are unaffected and keep paying them directly, as normal.
“Fundtap gives our clients the control to access funds only when they need them. For this courier business, it meant they could keep operations running smoothly while waiting for customer payments — without the burden of monthly costs or complicated finance processes.”
— Simon Harding, Business Finance Advisor, Finance NZ
The result
- Drivers, fuel and vehicles paid on time while customer invoices are still outstanding
- No monthly cost in the weeks the funding is not used
- No change to customer relationships — customers pay as normal
What they said
“He was fantastic. When we missed a payment, I explained we were struggling to get invoices paid to us. He was really understanding. Then he called back later to talk through how we process things in Xero and gave some great advice.”
“He was so helpful. He explained things clearly and gave us real-world tips that made a difference. It’s hard to believe he doesn’t work for us — he just really understood how our business runs.”
“Fundtap’s flexibility and understanding have been a game-changer for us. It’s not just finance — it’s a partnership.”
All case studies • Invoice finance for transport and logistics
