Drinks from Italy, restaurants on terms
The business imports drinks from Italy and supplies them to restaurants around Melbourne. Most of the invoices are small, and there are a lot of them.
Restaurants pay on terms, and the terms differ from one to the next. At sign-up, the owner described terms that run anywhere from a fortnight to two months depending on the restaurant.
“Well, I sell soft drinks... I have a lot of invoices... I have some bigger ones...”
From a call with the FundTap team, August 2026
Stock to pay for before the festival
The biggest event of the business’s year is a festival, and it takes a lot of stock. The drinks ship from Italy, and each shipment has to be paid for well before a bottle is sold at the festival.
That is where the timing didn’t line up in August 2026. A shipment was due for payment, and the restaurant invoices that would cover it were still on their terms. The restaurants rarely pay on the day the invoice says, either.
When they signed up in August 2026, the owner told the FundTap team a shipment from Italy was due for payment ahead of the biggest event of their year.
“...They are always late.”
From a call with the FundTap team, August 2026
Funding the restaurant invoices
Their broker introduced them to FundTap, and the business signed up in August 2026 and connected Xero. With plenty of restaurant invoices on the books, the owner funded nine of them that first month and put the money towards the stock.
The owner asked the FundTap team to explain plainly how the fees work before going ahead. Each invoice they choose to fund shows its fee before they commit, and the restaurants keep paying the business directly, on their own terms.
Stocked up for the biggest event
With the restaurant invoices funded, the shipment could be paid for on time. The business went into its biggest event of the year with the drinks it needed, instead of waiting on restaurants to pay.
In September 2026 their funding limit was raised, and they funded eight more invoices. That is 17 in their first two months. In a month with nothing to pay for ahead of time, they fund nothing and pay nothing.
The timeline
- August 2026 Introduced by their broker and signed up, with a shipment to pay for before the festival.
- August 2026 Connected Xero and funded their first restaurant invoices, nine that month.
- September 2026 Funding limit raised, with eight more restaurant invoices funded.
In numbers
- 60 days at most on the restaurants’ terms, and they often run late
- 17 restaurant invoices funded since August 2026
- 9 invoices funded in August 2026, the first month
- 1 increase to their funding limit, in September 2026
Sound like your business?
The shipment lands before the restaurants pay, and the big event won’t wait. Fund the invoices you’ve already sent and bring the stock in.
Fund the next order without waiting on the last one.
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