Audits, systems and training on site
The consultancy builds and restructures safety, quality and environmental systems for its clients, audits them, manages them and trains the people who run them. The clients are in civil and general construction, quarrying and the trades that work alongside them.
Each client is invoiced on its own terms, anywhere from a week to a month. That is short by most standards, as long as the client pays to it.
Late payers, worst after New Year
The terms are short, but the money doesn’t always arrive on them. Late payers are the usual cause of a gap, and the same pattern has shown up after Christmas and New Year, when invoices sit unpaid for longer.
When they signed up, the owner told the FundTap team that late payers were the usual cashflow problem, and that the weeks after Christmas and New Year had gone the same way for the past few years.
Funding the invoices held up
They signed up in January 2026, in the thick of the post-holiday wait, and funded four invoices that month. Their funding limit was raised that month too, to fit the work.
The consultant picks which invoices to fund and sees the fee on each before going ahead. The clients pay the business on their usual terms.
Work taken on without the wait
With the held-up invoices funded, the late payers stopped setting the consultancy’s cashflow. The work grew through the year, and the funding limit grew with it: raised in January 2026 and twice more in June 2026, the busiest month, with 22 invoices funded.
In all, 99 invoices funded since January 2026, the most recent in September 2026.
Set for the next holiday break
There are no ongoing fees, so a month where every client pays to terms costs nothing. When the next holiday break pushes payments out, the invoices that get held up can be funded, the fee shown first.
The timeline
- January 2026 Signed up in the post-holiday wait for late payers, and funded four invoices that month.
- January 2026 Funding limit raised as the work built up.
- June 2026 Funding limit raised twice as the work grew.
- June 2026 The busiest month so far, with 22 invoices funded.
- September 2026 Connected Xero and funded 12 invoices that month.
In numbers
- 30 days at most on their terms, depending on the client
- 99 invoices funded since January 2026
- 22 invoices funded in June 2026, the busiest month
- 3 increases to their funding limit as the work grew
Sound like your business?
Your terms say a month at most, but a late payer doesn’t read them. Fund that invoice when it’s held up, and pay nothing when it isn’t.
Fund a specific invoice when the timing doesn’t work. Pay nothing when it does.
Invoice finance for professional services • All case studies
