A pet products wholesaler in Sydney: stock bought before retail chains pay

The story in short

• 13 invoices funded between July 2024 and March 2025
• 8 funding days across 4 months
• 6 invoices funded in March 2025, their busiest month

The gap

Their website sales are paid in full before anything ships. Wholesale is different: the retailers order first and pay later, and the stock has to be bought up front.

A supermarket-owned pet brand pays on shorter terms, and the country’s largest pet retailer on much longer ones. More purchase orders were due to ship as soon as the stock arrived.

How they use FundTap

They funded 13 invoices on eight funding days, across four months between July 2024 and March 2025. Nine came in 2025, and six of those in March alone.

Funding the retailer invoices let them buy stock for the next purchase order without waiting on the last.

What’s changed

They took on the big retail orders without waiting for earlier ones to be paid, and the retailers pay them as normal.

Their starting funding limit covered it, with no increase needed. They last funded an invoice in March 2025.

Sound like your business?

Winning your first big retail orders is great news until the stock has to be paid for. FundTap covers the gap between shipping and getting paid.

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.