Renovations, extensions, short terms
The business is a small residential building company in Northland. The work is renovations and extensions on existing homes, the kind of job that starts with a strip-out and ends with a sign-off.
Invoices go out as the job progresses and are due a week after. The clients are homeowners, and they pay on those terms.
Materials before the first invoice
Short terms help once a job is under way. The gap is at the start. A new job needs materials ordered and paid for, and the first days of labour covered, before the first invoice on it is sent, let alone paid.
When they signed up in November 2025, the owner explained to the FundTap team that the money was needed to cover materials and expenses at the start of new jobs.
Funding an invoice
They signed up in November 2025 and connected Xero. In January 2026, the owner asked the FundTap team how funding works on a week’s invoice terms, then chose the first invoice to fund.
There’s no lock-in and no fee when nothing is funded, and the cost is quoted on each invoice before it’s submitted. The homeowner pays the business as agreed.
The next job starts on time
With an invoice funded, the materials for the next job could be paid for without waiting on the last client’s week.
They funded a second invoice in April 2026. Two invoices in all since January 2026, and between them, with nothing funded, there was nothing to pay.
The timeline
- November 2025 Signed up and connected Xero, with a new job’s materials to pay for ahead of the first invoice.
- January 2026 Funded their first invoice.
- April 2026 Funded a second invoice.
In numbers
- 7 days from the invoice to the client’s payment, once a job is under way
- 2 invoices funded since January 2026, picked by the owner
- 1 invoice funded in January 2026, the first one they chose
Sound like your business?
The timber’s ordered, the crew’s on site, and the first invoice is a week off. Fund it when it goes out and start the job on your client’s timing.
Get paid now for work you’ve already done.
Invoice finance for construction and trades • All case studies
