A fruit and veg wholesaler in regional New South Wales: paying suppliers first

The story in short

• 4,879 invoices funded since October 2023
• 36 of 36 months used since joining
• 2,592 invoices funded in 2025 alone
• 6 increases to their funding limit

The gap

Fresh produce is bought on short supplier terms. It’s sold to restaurants and nursing homes that pay near the end of the following month.

Putting a slow payer on hold doesn’t work, because in this trade they simply buy from another wholesaler. A large new contract at sign-up made the wait bigger, and the owner wanted suppliers paid on time.

“...We have five different price structures. So if you pay on time, you get this price right. You don’t pay on time, you get that price structure.”

From a call with the FundTap team, April 2026

How they use FundTap

The owner joined in October 2023 and has used FundTap in every month since, 36 in all. Day to day it runs by email, with no need to ring.

The routine is a weekend one: sit down, go through the invoices due, and sort them by date. The restaurants and nursing homes pay as they always have, and FundTap never contacts them.

What’s changed

Use has grown with the business, from 193 invoices in 2023 to 446 in 2024 and 2,592 in 2025. The busiest month was October 2025, with 343 invoices funded.

The funding limit has been raised six times since they joined. In the last six months they’ve funded 957 invoices, with funding in every one of those months.

In a public review, the owner said it was simple to run day to day and linked up to their accounting software without trouble.

Sound like your business?

You pay your suppliers within weeks and your customers pay you next month. Fund the invoices and say yes to the next big order.

Fund the next order without waiting on the last one.

Invoice finance for makers and distributors  •  All case studies

About this story. Anonymised: business and owner details are withheld. Counts are from FundTap’s records to 30 September 2026. Quotes are from calls and emails with the FundTap team, lightly trimmed. The public review is paraphrased, not quoted.