Reflection Planning is Simeon McLean's planning consultancy, run as a sole trader in New Zealand. The work is billed when it is done, but clients take their time to pay, and there is no one else in the business to carry the gap.
Consultants sell their time. Simeon's overheads are low, but his income still arrives in lumps, whenever clients get around to paying.
Twice in his first year he asked FundTap for more room. In March 2024 he had a strong month of income coming and wanted to use it early. In September 2024 he wanted to cover some large bills in the short term.
In his own review, he puts it more bluntly: long payment times can decide whether a young business survives.
Simeon was first funded on 23 February 2024. As a new user, his first question was how long funds took to clear, so he could plan around it.
He has used FundTap regularly since, with ten fundings between January and May 2026 alone. In July 2026 he moved his accounts off Xero to save the subscription. FundTap switched him to manual upload, so he now sends invoices through the portal himself and kept using the service.
“This service is amazing. Unlike traditional lending fundtap only cover you for invoices you have ready to go. they allow you to access future funds today and do so in a quick and easy way which is fantastic. highly recommended for small business during the startup phase when long payment times can mean the life or death of the business.”
Simeon McLean, Xero App Store review, 5 stars, 30 October 2024“I've been a happy customer with you for years and really appreciate the service.”
Simeon McLean, Planning Consultant, email to FundTap, 8 July 2026
Work done, invoice out, and the money arrives on someone else's timetable. That's the gap FundTap was built for.
Connect Xero, MYOB, QuickBooks or Reckon, choose an invoice and see the fee before you confirm. Once approved, funded within 2 hours. It costs nothing while it sits there.
About this story. Published with Reflection Planning's permission. Counts and dates are from FundTap's records. Quotes are from their public review and emails with the FundTap team.