A field service contractor in Auckland: costs out before the big companies pay

Out on the customers’ sites

The owner had spent time in the field servicing equipment and saw an opportunity in it. The business they set up services and repairs equipment on large companies’ sites around Auckland, the workshop gear those companies rely on.

Big companies are good customers, and they pay on their own terms. For this business that is generally the end of the month after the invoice. A job done in the first week of a month is paid at the end of the next.

Costs out before the money’s in

A new business has all its costs up front: the parts, the suppliers’ bills and the hours on site. The income for the same jobs lands at the end of the following month.

The owner told the FundTap team the business was a few months in and growing, with costs going out before the income came in. The owner also said that keeping a good relationship with suppliers mattered.

In an email to the FundTap team, the owner explained that a major company customer always paid on the last working day of the month.

Funding the end-of-month invoices

They signed up in November 2022 and connected Xero. The first invoice they funded was for a job already done for a company customer, with the payment due at the end of the month after.

The owner picks the invoice and sees the fee before committing to it. The company still pays the business at month-end, exactly as its terms say.

Keeping suppliers onside

With a company invoice funded, the suppliers’ bills were paid on the suppliers’ terms, not the customers’. For a business in its first year that counts for a lot. The people you buy from see you pay on time, and the next order is no trouble.

The company work kept coming through 2023, and they funded 13 invoices that year. April 2023 was the busiest month, with four.

Still there when the next job needs it

Nothing went through in 2024, and nothing was charged for it. In December 2025 the owner sent a new funding request through, and the most recent invoice was funded in July 2026. That makes 16 invoices since November 2022.

In a public review, the owner described FundTap as a good fit for a new business finding its feet, simple to follow, with a team that was easy to work with.

The timeline

1. November 2022 Signed up as a young business, with the big companies paying at the end of the month after.
2. November 2022 Funded their first invoice, a finished job for a company customer.
3. April 2023 Their busiest month, with four invoices funded as the company work grew.
4. December 2025 Sent a new funding request through after a long stretch with nothing to fund.
5. July 2026 Funded a company invoice, the most recent.

In numbers

• Month-end of the month after the invoice: when the big companies pay
• 16 invoices funded since November 2022, each one a finished job
• 13 invoices funded in 2023, the first full year
• 4 invoices funded in April 2023, the busiest month

Sound like your business?

Your big customers pay at the end of next month, and your suppliers want paying this one. Fund the invoice that’s holding things up and pay them on their terms.

Get paid now for work you’ve already done.

Invoice finance for construction and trades  •  All case studies