A refrigeration contractor in Auckland: suppliers paid before the customers do

Refrigeration for a few big customers

The business services and maintains industrial refrigeration in Auckland. Most of its work is for a few big customers.

The invoices go out on terms of the 20th of the month. On paper, that’s the agreed deal.

In practice the big customers pay more than a month after the invoice, well past the 20th. They do it so predictably that the business plans around it.

The suppliers won’t wait as long

The parts and refrigerant for a job come from suppliers with their own terms, and those terms don’t stretch. By the time a big customer pays, the supplier’s invoice has long been due.

At sign-up in August 2024, the owner told the FundTap team the aim was to pay suppliers on time while the big customers took theirs.

The work’s done and the invoice is out. The gap between the supplier’s due date and the day the customer actually pays is the whole problem.

Funding the big customers’ invoices

They signed up in August 2024 and connected Xero, then didn’t need the account until July 2025. That month they funded five invoices.

The fee showed on each one before they committed, and the customers still paid the business directly, on their usual timing.

Suppliers paid on time

With those invoices funded, the suppliers were paid on their due dates instead of after the customers’ money finally landed. The big customers are still the ones the business wants. The work is good and there’s a lot of it; it’s only the paying that runs late.

They haven’t funded anything since July 2025. There’s no charge for that, and no lock-in. The next time a supplier’s due date lands before a big customer’s payment, the invoice is there to fund.

The timeline

1. August 2024 Signed up, with big customers paying well past the 20th and suppliers to keep on side.
2. August 2024 Connected Xero, so the invoices were ready to pick from when needed.
3. July 2025 Funded their first invoices, five in the month, the most recent in the records.

In numbers

• 20th of the month: the terms on the invoice
• 40 days it can take the big customers to actually pay
• 5 invoices funded, all in July 2025, the first and busiest month

Sound like your business?

Your customer’s terms say the 20th and their payments say otherwise. Fund the invoices with the longest wait and pay your suppliers on time.

Get paid now for work you’ve already done.

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