A residential builder in Canterbury: wages out before the month-end payments

The story in short

• 19 invoices funded since joining in August 2023
• 17 of 38 months they’ve used FundTap since their first funded invoice
• 7 invoices funded so far in 2026, up from 3 in 2025
• 5 of 6 of the last 6 months with an invoice funded

The gap

House building is wages first and payment later. Invoices are generally settled at the end of the month, so the wage bill runs ahead of the money.

When they signed up, a few clients were running late, which stretched the gap further. The builder needed a buffer to cover wages until those invoices landed.

How they use FundTap

They came to FundTap through their broker in August 2023, and funded two invoices that month.

Altogether they’ve funded 19 invoices in 17 batches, spread across 17 of the 38 months since their first funded invoice. Clients pay the builder as normal, and none of them are contacted.

What’s changed

Use has picked up this year, from three invoices in 2025 to seven so far in 2026. In the last six months they’ve funded five invoices, one in each of five of those months.

The funding limit has gone up once since they joined, and it’s there when a client pays late.

Sound like your business?

Month-end payments and a crew that needs paying before then: it’s a timing problem, not a trading one. That’s the kind of problem a funded invoice solves.

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.