A plasterer and painter in Auckland: wages and materials before the 20th

The story in short

• 91 invoices funded since joining in October 2022
• 39 of 47 months they’ve used FundTap since their first funded invoice
• 31 invoices funded in 2023, their biggest year
• 22 invoices funded so far in 2026, against 10 in all of 2025

The gap

Terms vary from client to client, but commercial work is generally paid on the 20th of the following month.

Occasionally a client takes longer than the terms say, and the wages and materials for the next job still fall due.

How they use FundTap

They joined in October 2022 and have funded 91 invoices since, mostly one at a time. They’ve used FundTap in 39 of the 47 months since their first funded invoice, and the funding limit has gone up twice.

Clients never hear about it, and they pay the business directly on the usual terms.

What’s changed

Their biggest year was 2023, with 31 invoices funded. After a quieter 2025, with 10, they’ve funded 22 so far this year.

In the last six months they’ve funded 17 invoices across five of those months, so the wait for the 20th is still being covered.

In a public review, the owner said getting started was straightforward, with each step talked through, and recommended it to other tradespeople.

Sound like your business?

Some clients pay promptly, some pay on the 20th of the next month, and the wages fall due either way. FundTap funds the slow ones.

Get paid now for work you’ve already done.

Invoice finance for construction and trades  •  All case studies

About this story. Anonymised: business and owner details are withheld. Counts are from FundTap’s records to 30 September 2026. The public review is paraphrased, not quoted.