A training provider in Brisbane: bills due before the state pays

Paid on the month’s reporting

The business is a registered training organisation in Brisbane, and it has been training people for a long time. Most of its work is funded by the state, with a handful of other customers alongside.

The state pays on what has been delivered. At the end of the month the business reports its training data, and the payment that follows is worked out from it, landing a couple of weeks later.

A slow month, and bills due first

That timing works until a month is slower than usual. Less training delivered means less to report, and a smaller payment from the state at the end of it. The suppliers and bills due in the meantime don’t shrink to match.

When they signed up in April 2024, the owner told the FundTap team the previous month had been a slow one, and the bills were due before the next payment from the state.

The training already delivered had been invoiced. The money for it was just a couple of weeks away.

Funding the training invoices

The account was set up in April 2024. The first invoices were funded in October 2024, 18 of them in that month, and nothing was charged in between.

The owner picks the invoices for training already delivered, sees the fee on each before going ahead, and the state and the other customers pay the business on their usual timing.

Bills paid without waiting on the state

With the invoices funded, the bills that fall due before the state’s payment can be paid when they’re due. A slow month no longer decides whether the suppliers wait.

They funded 25 invoices in the last months of 2024 and 51 in 2025. January 2025 was the busiest month, with 24, and their funding limit was raised twice in April 2025.

Only when the timing calls for it

One invoice was funded in July 2026, the most recent, and the stretches with nothing funded have cost the business nothing. The payment from the state still comes in on the month’s reporting, and the owner decides whether any invoice needs funding before it lands.

The timeline

1. April 2024 Signed up, with bills due before the state’s next payment landed.
2. October 2024 Funded their first invoices, 18 in that first month.
3. January 2025 The busiest month, with 24 invoices funded.
4. April 2025 Funding limit raised twice in the month.
5. July 2026 The most recent invoice funded.

In numbers

• Month end when the training data goes to the state, which pays on it a couple of weeks later
• 77 invoices funded since October 2024
• 24 invoices funded in January 2025, the busiest month
• 2 increases to their funding limit, both in April 2025

Sound like your business?

The month’s data is in, the state’s payment is a fortnight out, and the bills are due now. Fund the invoice that bridges it and pay nothing the rest of the time.

Fund a specific invoice when the timing doesn’t work. Pay nothing when it does.

Invoice finance for professional services  •  All case studies