Maintenance, not new roofs
The business does roofing maintenance across Sydney, for homes and for commercial buildings: repairs and upkeep on roofs that are already there.
It’s a young business, and the owner has kept it on the maintenance side on purpose. New roofs don’t pay well enough to be worth chasing.
Most jobs are small and paid soon after they’re done. The bigger ones now go out on a month’s terms, to make it easier on the customer.
“...the maintenance side of roofing. I don’t do that new work.”
From a call with the FundTap team, August 2026
A month to pay on the bigger jobs
A lot of the new work is coming through word of mouth, and the owner wanted those customers looked after. On a call with the FundTap team in August 2026, the owner explained that with a lot of referred customers coming in, they’d decided to give them a month to pay rather than put pressure on anyone.
A month suits the customer. It’s harder on the business doing the work, because the materials for a bigger job are bought before anyone is on the roof. By August 2026 that wait was adding up.
The owner told the FundTap team the bigger jobs were where the materials bill sat, and that was what they wanted covered.
Funding the invoice that mattered
The owner signed up in August 2026, connected Xero, and funded one invoice that month.
The cost was the thing to settle first. The fee comes out of the invoice, and the owner wanted to know what that did to the margin on a job. It’s shown on each invoice before they commit, there’s no lock-in, and a job that doesn’t need funding costs nothing.
“...we just pay a small fee out of that invoice, which is fine, just cuts into the profit.”
From a call with the FundTap team, August 2026
Taking the bigger jobs on
With the invoice funded, the materials for the next bigger job are paid for without waiting the month out. The customer gets their terms, the supplier gets paid, and the job starts when it’s booked.
It also takes the late payers out of it. Whether a customer pays on the due date or later, the business isn’t waiting on them to start the next job.
“...you know how people are. Some people don’t like to pay within that 30 days or even the seven days...”
From a call with the FundTap team, August 2026
Job by job
They’ve funded two invoices so far, one in August 2026 and one in September 2026. The owner picks which ones go through, and pays only on those.
The timeline
- August 2026 Signed up and connected Xero, with the bigger jobs going out on a month’s terms and materials to buy first.
- August 2026 Funded their first invoice.
- September 2026 Funded a second invoice, the owner’s pick.
In numbers
- 2 invoices funded since August 2026, the owner’s pick each time
- 2 months as a customer, to September 2026
- 1 invoice funded in September 2026, the most recent
Sound like your business?
The big job’s on a month’s terms and the materials are due now. Fund that invoice, and keep the small ones out of it.
Get paid now for work you’ve already done.
Invoice finance for construction and trades • All case studies
