The story in short
- 8 invoices funded since July 2025
- 5 of 15 months used since their first funded invoice
- 3 invoices funded in the last 6 months
The gap
Their invoices state shorter terms, but the larger clients have a habit of paying at the end of the month. They’re good payers, just on their own cycle.
That timing lands on wages first. The work is done, the invoice is out, and the pay run comes round before the money does.
How they use FundTap
The owner wanted a modest amount of cover for those gaps, used as and when needed rather than all the time. Since July 2025 they’ve funded eight invoices, on seven funding days, across five months.
Five invoices came in 2025, with September the busiest month at two. Three more came in 2026, all of them in the last six months. Their clients keep paying on their usual cycle and are never contacted.
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 |
What’s changed
The bigger clients can keep paying at month end without it deciding when the wages go out. The consultant funds an invoice when the gap shows up and lets the rest run to the client’s cycle.
Sound like your business?
If your invoice terms and your biggest clients’ habits don’t match, the gap lands on your pay run. Fund the invoice that’s stuck in the middle.
Fund a specific invoice when the timing doesn’t work. Pay nothing when it does.
Invoice finance for professional services • All case studies
About this story. Anonymised: business and owner details are withheld. Counts are from FundTap’s records to 30 September 2026.
