Consents for households and developers
The business is a resource management planning consultancy in Otago and Southland. It helps people through resource consent applications and plans subdivisions.
Some of the clients are everyday people with a consent to get through. The rest are bigger: developers, building companies and commercial operators, the clients the consultancy does the most work for.
The invoice asks for payment well inside the month. The bigger organisations are good payers, but they pay at the end of the month, on their own cycle.
The month-end pay run
The gap opens when the invoice goes out. However short the terms printed on it, a big client’s money arrives when its month-end run comes round.
Between the invoice and the end of the month, the wages still have to be paid.
At sign-up in July 2025, the owner told the FundTap team the bigger clients paid well, but only at month end on their own cycle. The owner explained they wanted something to call on as and when a gap opened, mainly for wages.
Funding the month-end invoice
They signed up in July 2025 and funded their first invoice that month.
The consultancy picks which invoice to fund and sees the fee before committing. The client pays the consultancy at month end, as they were always going to.
Wages covered until month end
Funding an invoice closes the gap between the invoice date and the client’s month-end run. The wages are paid from the work already invoiced.
The bigger clients stay on their cycle. The consultancy keeps taking their work, without month end deciding when the wages get paid.
They funded five invoices in 2025, with September 2025 the busiest month at two, and three more in 2026, the latest in August 2026. Eight invoices in all, and nothing charged in the gaps between them.
The timeline
- July 2025 Signed up, with the bigger clients paying at month end and wages to cover in between.
- July 2025 Funded their first invoice.
- September 2025 The busiest month so far, with two invoices funded.
- August 2026 Funded an invoice, the most recent in the records.
In numbers
- Month end when the bigger clients pay, on their own cycle
- 8 invoices funded since July 2025
- 5 invoices funded in 2025, with three more in 2026
Invoices funded each month, as a table
| Month | Invoices funded |
|---|---|
| July 2025 | 1 |
| August 2025 | 0 |
| September 2025 | 2 |
| October 2025 | 2 |
| November 2025 | 0 |
| December 2025 | 0 |
| January 2026 | 0 |
| February 2026 | 0 |
| March 2026 | 0 |
| April 2026 | 0 |
| May 2026 | 0 |
| June 2026 | 2 |
| July 2026 | 0 |
| August 2026 | 1 |
| September 2026 | 0 |
Sound like your business?
Your invoice says pay in days, and the developer pays at month end. Fund that invoice when the wages fall due first. Pay nothing when they don’t.
Fund a specific invoice when the timing doesn’t work. Pay nothing when it does.
Invoice finance for professional services • All case studies
