The story in short
- 13 invoices funded since October 2024
- 11 of them funded in 2025
- 11 of 24 months they’ve used FundTap since their first funding
The gap
Most of this contractor’s work is for councils. It invoices every month, and the councils pay on the 20th of the following month. They’re good payers, with the odd payment arriving a little late.
In September 2024 a contract renewal had dragged on, and invoicing had slowed while costs carried on. A purchase order for the next month had just come in. The payment for it wouldn’t land until the month after.
How they use FundTap
They bring the monthly council invoice across from Xero and fund it. FundTap never contacts the council, which pays as it always has. In all, 13 invoices have been funded across 11 months, two in 2024 and the rest in 2025.
In December 2025 three mowers were out of action and parts were delayed. The owner funded an invoice to buy a replacement.
Invoices funded each month, as a table
| Month | Invoices funded |
|---|---|
| October 2024 | 1 |
| November 2024 | 1 |
| December 2024 | 0 |
| January 2025 | 1 |
| February 2025 | 1 |
| March 2025 | 1 |
| April 2025 | 1 |
| May 2025 | 2 |
| June 2025 | 1 |
| July 2025 | 0 |
| August 2025 | 2 |
| September 2025 | 0 |
| October 2025 | 0 |
| November 2025 | 1 |
| December 2025 | 1 |
| January 2026 | 0 |
| February 2026 | 0 |
| March 2026 | 0 |
| April 2026 | 0 |
| May 2026 | 0 |
| June 2026 | 0 |
| July 2026 | 0 |
| August 2026 | 0 |
| September 2026 | 0 |
“...the problem is that someone can’t supply me with parts, and I’ve got three mowers down, so I’m going to have to buy another mower.”
From a call with the FundTap team, December 2025
What’s changed
Nothing has been funded since December 2025. By March 2026 the owner told the FundTap team that cash was healthy and income dips in winter. FundTap stays in place for the months when a council payment lags the work.
“...Obviously our income is a little bit cyclical, so we have a bit of a downturn in winter, so sometimes we might be getting back to using you again, but at the moment we’ve got cash surplus...”
From a call with the FundTap team, March 2026
Sound like your business?
Your biggest customer pays on the 20th of next month, and a machine just went down. FundTap funds the invoice you’ve already sent, and your customer never hears about it.
Get paid now for work you’ve already done.
Invoice finance for construction and trades • 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.
