A metal fabricator in Adelaide: a young business taking on bigger jobs

Welding for bigger companies

The business does metal fabrication and welding in Adelaide, all of it for other businesses. Its customers are bigger companies, and bigger companies set the terms: the invoice goes in when the job is finished, and it is paid a month later.

It was a young business when it came to FundTap, with the work already coming in faster than the payments.

Suppliers paid before the customer

Fabrication starts with buying materials. The suppliers want paying well before the customer’s invoice falls due, and on a job of any size that gap is real money.

At sign-up in November 2024, the owner told the FundTap team one big job was about to finish and another was due to be invoiced that month, both on a month’s terms, with suppliers to pay in the meantime.

The jobs were there. The money to buy materials for the next one was sitting in invoices that wouldn’t be paid for a month.

Funding an invoice

The business signed up in November 2024 and funded four invoices that first month. The owner chooses which invoices to fund and sees the fee before committing, so a month with no supplier bill to cover costs nothing.

The bigger companies keep paying the business the way their terms say, a month after the invoice.

Room for the bigger jobs

Funding the invoice meant the suppliers were paid and the materials for the next job were in the workshop before the last customer had paid. For a young fabrication business, that is how the second job follows the first.

The jobs got bigger. In September 2025 their funding limit was raised. In October 2025, the owner asked the FundTap team for a higher funding limit, as the one they had was too small for the work coming in. It went up a second time that month. They funded nine invoices in 2025.

Between the big jobs

They have funded 14 invoices since November 2024. In June 2026 they connected Xero and funded their most recent one.

Between those, there have been long stretches with nothing funded, and no fee for any of them. The next big job can be funded when it comes.

The timeline

1. November 2024 Signed up with a big job finishing and another to invoice, and funded their first four invoices.
2. September 2025 Funding limit raised as the jobs got bigger.
3. October 2025 Asked the FundTap team for a higher funding limit, and it was raised again.
4. June 2026 Connected Xero and funded their most recent invoice.

In numbers

• 30 days: the terms the bigger companies want
• 14 invoices funded since November 2024
• 9 invoices funded in 2025, their biggest year
• 2 increases to their funding limit, in September and October 2025

Sound like your business?

The job is done, the invoice says a month, and the supplier for the next one wants paying now. Fund that invoice and keep the workshop busy.

Fund the next order without waiting on the last one.

Invoice finance for makers and distributors  •  All case studies