Excavators that go anywhere
The business is a family earthworks outfit in regional Queensland. It runs long-reach excavators, the plant for work on and around water, and the jobs can take the machines a long way from home.
Most of it comes by word of mouth. Some of it is on mine sites. And some of it is going in after another contractor to put a job right.
On a call with the FundTap team in October 2025, the owner said the business had been going for decades.
“...sometimes we get called in to clean up someone else’s mess that they’ve gone in and done...”
From a call with the FundTap team, October 2025
The invoice goes out, then the wait
The clients are good ones, found by reputation, and the invoices get paid. The slow part is the terms: a month from the invoice date.
Heavy plant work costs money while it’s happening. The operators, the fuel and getting a big machine to a site a long way from home are all paid as the job runs. The invoice goes out when the work is done, and by the time it’s paid the machine is usually on the next site.
In October 2025, the owner asked the FundTap team for a way to be paid on an invoice before the client’s month was up.
“...we’ve got a very good clientele that we work for and usually most of our work is word of mouth...”
From a call with the FundTap team, October 2025
Funding the plant invoices
Their accountant pointed them to FundTap, and they signed up in October 2025. They funded their first invoice that month too, a single invoice for a finished job.
They pick the invoice, see the fee before they commit, and fund only what the next job needs. The client still pays the business directly when the month is up, and nothing changes on their side.
On to the next site
Funding the invoice from the last job means the business isn’t carrying that month’s wait into the next one. The machine can head to the next site, and the costs of getting it there and running it don’t sit on hold until the last client pays.
For an outfit that will take its machines a long way for the right job, that’s what matters. The gap between a finished job and a paid one no longer sets the pace.
When a job needs it
They’ve funded nine invoices since October 2025: two in 2025 and seven so far in 2026. January 2026 was the busiest month, with three. The most recent were two in August 2026.
In between there have been stretches with nothing funded, and no fee for those either.
The timeline
- October 2025 Referred by their accountant and signed up, with plant invoices paid a month after they go out.
- October 2025 Funded the first invoice they picked, for a finished job.
- January 2026 Their busiest month so far, with three invoices funded.
- August 2026 Funded two more invoices, the most recent in the records.
In numbers
- 30 days from the invoice date before the client’s money is due
- 9 invoices funded since October 2025, picked one job at a time
- 7 invoices funded so far in 2026, up from two in 2025
- 3 invoices funded in January 2026, the busiest month
Invoices funded each month, as a table
| Month | Invoices funded |
|---|---|
| October 2025 | 1 |
| November 2025 | 1 |
| December 2025 | 0 |
| January 2026 | 3 |
| February 2026 | 1 |
| March 2026 | 1 |
| April 2026 | 0 |
| May 2026 | 0 |
| June 2026 | 0 |
| July 2026 | 0 |
| August 2026 | 2 |
| September 2026 | 0 |
Sound like your business?
The job’s done and the machine’s already on the next site, but the invoice says a month. Fund that one and get on with the next job.
Get paid now for work you’ve already done.
Invoice finance for construction and trades • All case studies
