A small crew, bigger clients
The business is an electrical contractor in Sydney with a small crew. For a while the work was the usual mix for a business its size. Then big companies started handing it a lot of work at once.
Big companies pay on their own terms. These ones pay well over a month after the end of the month the invoice goes in. A job finished early in a month can wait close to two months for its money.
“...we’ve just took on massive amounts of work from two big companies...”
From a call with the FundTap team, October 2025
Wages can’t wait for the big companies
Payroll is fortnightly, and that doesn’t move. The big-company invoices do. So the business was paying its crew for work the big companies wouldn’t pay for until the month after next.
That’s the catch with bigger clients: the work is the best the business has had, and the money for it is the slowest. The owner wasn’t going to give up the work. The wages still had to land on the day.
In October 2025, the owner told the FundTap team the aim was to cover fortnightly payroll, so they could keep taking the bigger jobs.
“...which, as you can imagine, sometimes hurts a bit for small companies.”
From a call with the FundTap team, October 2025
Funding the big-company invoices
On their accountant’s suggestion, they signed up in October 2025, connected Xero and funded two invoices that month.
The owner picks the invoice and sees the fee before committing. The big companies pay the business on their usual terms.
“...so it’s really just trying to free up a bit of cashflow...”
From a call with the FundTap team, October 2025
Hitting payroll, keeping the big jobs
With a big-company invoice funded, payroll lands on the day it’s due. The business keeps taking the bigger jobs, which is the whole reason it came to FundTap.
In February 2026, the owner explained to the FundTap team that the invoices from before Christmas had gone in late. The client had shut for the break, so that money was still a way off. They funded one invoice to carry payroll through to it.
“...it’s just always making sure that we hit payroll, you know.”
From a call with the FundTap team, February 2026
There when the timing slips
They’ve funded six invoices since October 2025, four in 2025 and two in 2026. Since February 2026 there’s been nothing they’ve needed to fund, and no fee comes with that.
The big-company work is still the best work on the books. When one of its invoices lands on the wrong side of a payday, the owner knows which one to fund.
The timeline
- October 2025 Signed up on their accountant’s suggestion, with big-company invoices paying well over a month after month-end.
- October 2025 Funded their first two invoices, with fortnightly payroll to cover.
- December 2025 The big client shut for the break, and the invoices for that work went in late.
- February 2026 Funded one invoice to carry payroll, with the invoices from before Christmas running late.
In numbers
- 35 days after the end of the month, at least, before the big companies pay
- 6 invoices funded since October 2025, when payroll came before the big-company money
- 2 invoices funded in October 2025, the month they signed up
Invoices funded each month, as a table
| Month | Invoices funded |
|---|---|
| October 2025 | 2 |
| November 2025 | 1 |
| December 2025 | 1 |
| January 2026 | 1 |
| February 2026 | 1 |
| 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 big companies pay on their own terms and your crew gets paid on yours. Fund the invoice that lands on the wrong side of payday, and keep taking the big jobs.
Get paid now for work you’ve already done.
Invoice finance for construction and trades • All case studies
