Wrapped before the weather gets in
The business shrink-wraps scaffolding on large builds around Auckland, sealing the structure so the trades inside can keep working whatever the weather does. The scaffolding contractors hold the contract, and this business does the wrap for them.
A wrap is invoiced when it is finished, not as it goes. The clients pay at the end of the month. So a job that runs past month-end is invoiced in the next month and paid at the end of the one after.
The work comes in waves, and the awkward ones are the end of a month and the Christmas break.
“...at the end of the month, all of a sudden, everybody wants things done. And the job overloads to the next month and my cashflow gets affected.”
From a call with the FundTap team, December 2025
The job that ran through Christmas
In the run-up to Christmas the owner took on the biggest job on the books. It was a wrap on a large site that would run right through the break, and the staff would be paid in advance to work it. The job couldn’t be invoiced until it was finished in the new year. The client wouldn’t pay until the end of the month after that.
The staff don’t wait until late summer to be paid, and this wasn’t the first time the end of a job and the end of a month had fallen on the wrong side of each other.
“...getting busy during the Christmas break, usually I’d say it’s a good thing, but from a cashflow perspective, it’s a headache.”
From a call with the FundTap team, December 2025
Bringing the invoice forward
They signed up in December 2025 with the job under way. Before anything was funded, the owner asked the FundTap team what it would cost them. The fee is shown before an invoice is funded. They can fund just the part of an invoice they need, and a month with nothing funded costs nothing.
The owner told the FundTap team they had raised a part-payment invoice for the first half of the big job, and had other invoices ready too. They funded four invoices that month, their first, and the staff were paid through the break.
The clients still pay the business direct at month-end. Nothing changes on their side.
Too good a job to turn down
The owner could have said no to the job. It was too big to pass up, and with the wages covered from invoices already raised, there was no reason to. The staff worked through the break, the site got wrapped, and the invoice went out in the new year.
The year since has brought more of the same work, funded when a job’s timing needs it: 12 invoices so far in 2026, 16 since they started. The busiest month was December 2025, the first one.
“...I can say no to the job, but it’ll be stupid because it’s a pretty decent sum from a quote...”
From a call with the FundTap team, December 2025
Bigger jobs, from time to time
Smaller jobs get invoiced and paid the usual way. It’s the bigger wraps that get funded, the ones that run past month-end with the client’s payment well behind the wages. The months in between cost nothing.
“...I hope this is the start of a beautiful relationship. I mean, I will need this from time to time on bigger jobs, but it all depends on how things go...”
From a call with the FundTap team, December 2025
The timeline
- December 2025 Signed up with the biggest job on the books about to run through the Christmas break.
- December 2025 Funded their first invoices, four that month, with the staff paid through the holidays.
- March 2026 Put more invoices through with a big round of bills going out.
- June 2026 The most recent invoices funded, two that month.
In numbers
- Dec to Feb from the staff working the job to the client paying for it
- 16 invoices funded since December 2025, on the bigger jobs
- 4 invoices funded in December 2025, the first and busiest month
- 12 invoices funded so far in 2026
Invoices funded each month, as a table
| Month | Invoices funded |
|---|---|
| December 2025 | 4 |
| January 2026 | 2 |
| February 2026 | 4 |
| March 2026 | 2 |
| April 2026 | 1 |
| May 2026 | 1 |
| June 2026 | 2 |
| July 2026 | 0 |
| August 2026 | 0 |
| September 2026 | 0 |
Sound like your business?
The site wants wrapping over the break, the crew wants paying, and the invoice can’t go out until the job’s done. Fund that invoice and take the job.
Get paid now for work you’ve already done.
Invoice finance for construction and trades • All case studies
