A painting contractor in the lower North Island: late housing payments covered

Painting the housing jobs

The business is a painting contractor in the lower North Island, with a small crew on the brushes. Most of its work is social housing for a government agency, and that is where most of the income comes from.

The rest is private customers, and some of those pay on no particular schedule.

The housing invoices are usually paid within a couple of weeks of a job being finished. Usually, but not always.

When the housing payments run late

A delayed payment on the housing work is felt straight away. The crew’s wages are due on payday, and the paint suppliers want paying on their terms.

At sign-up in February 2024, the owner told the FundTap team the housing work was the main income, but its payments could be delayed. The owner also mentioned jobs about to close, one of them already signed off, with suppliers and wages to pay in the meantime.

The work was done and the money was coming. It just wasn’t going to land before the bills did.

Funding the finished job

They signed up in February 2024. In September 2024 they funded their first invoice, for a job already finished and waiting on its payment, with the fee shown before they said yes.

The agency pays the business on its own timing, exactly as before. Nothing changes on that side.

Wages and paint paid on time

With a finished job funded, the crew gets paid on payday and the paint suppliers get paid on their terms. The painters move on to the next house instead of waiting on the last one’s payment.

As the housing work grew, their funding limit was raised in June 2025, and they funded two invoices that month, the most so far.

Until the next late payment

They have funded nine invoices since September 2024, three in 2024 and six in 2025. Nothing has been funded since June 2025, and that stretch has cost the business nothing.

The next time a housing payment runs late while payday lands, the funding is there for that invoice.

The timeline

1. February 2024 Signed up, with two jobs about to close and suppliers and wages to pay.
2. September 2024 Funded their first invoice, for a job already finished and waiting on its payment.
3. June 2025 Funding limit raised as the housing work grew.
4. June 2025 Their busiest month so far, with two invoices funded.

In numbers

• 9 invoices funded since September 2024, when payday came before the sign-off
• 6 invoices funded in 2025, up from three in 2024
• 1 increase to their funding limit, in June 2025, as the housing work grew

Sound like your business?

The house is painted, the housing payment is running late, and payday won’t wait. Fund that invoice and keep the crew moving.

Get paid now for work you’ve already done.

Invoice finance for construction and trades  •  All case studies