TL;DR: Cash flow management is one of the biggest challenges for small businesses. This guide covers practical strategies to improve your cash flow, including faster invoicing, better payment terms, and funding options like invoice finance.
Client: Transport & Logistics Company
Referral Partner: Simon Harding, Finance NZ
Facility: Grown from $30,000 to $80,000
Industry: Logistics & Transport
Running a busy courier and transport company comes with constant movement — not just on the road, but in managing cash flow too.
This New Zealand courier business provides delivery services for large corporates. Like many service-based companies, they invoice clients once the job is complete — but those invoices are typically paid at the end of the following month. That gap between doing the work and getting paid often made it difficult to cover day-to-day expenses like fuel, vehicle maintenance, and payroll.
To bridge the gap, the company’s broker, Simon Harding from Finance NZ, began looking for a funding solution that was flexible, fast, and wouldn’t tie the business into unnecessary costs.
Simon introduced the courier company to Fundtap, a simple cash flow funding solution that allows businesses to get paid instantly for their outstanding invoices.
They started with a $30,000 facility, using it to smooth over cash flow pinch points between invoice cycles. As the business grew and became more confident in managing its funding, Fundtap expanded the facility to $80,000, giving them even greater flexibility.
“Fundtap gives our clients the control to access funds only when they need them,” says Simon Harding, Business Finance Advisor at Finance NZ.
“For this courier business, it meant they could keep operations running smoothly while waiting for customer payments — without the burden of monthly costs or complicated finance processes.”
What stood out most for the courier company wasn’t just the funding — it was the people behind it.
Andre, Fundtap’s Collections Manager, played a key role in helping the business manage payments and improve their internal processes. When the company missed a repayment, Andre didn’t just follow up — he called to understand what was happening and offered practical advice.
“He was fantastic,” said the company’s owner. “When we missed a payment, I explained we were struggling to get invoices paid to us. He was really understanding. Then he called back later to talk through how we process things in Xero and gave some great advice.”
Andre suggested small but powerful changes — like letting someone other than the business owner handle follow-ups and ensuring invoices were dated accurately to match customer payment schedules.
“He was so helpful. He explained things clearly and gave us real-world tips that made a difference. It’s hard to believe he doesn’t work for us — he just really understood how our business runs.”
Since working with Fundtap, the courier company has been able to:
Access cash fast to manage daily operations and growth.
Grow their facility from $30K to $80K as their business expanded.
Gain confidence and control over cash flow with flexible, invoice-based funding.
Build supportive relationships with both their broker and Fundtap’s team.
“Fundtap’s flexibility and understanding have been a game-changer for us,” said the company’s owner. “It’s not just finance — it’s a partnership.”
Through Simon Harding at Finance NZ, this courier company found more than a funding facility — they found a cash flow partner.
With Fundtap’s fast, flexible funding and hands-on support from the team, they’ve been able to grow their operations, strengthen their processes, and stay on top of every delivery — financial and physical.
The most common cause is timing — the gap between earning money and receiving it. For B2B businesses, this means waiting 30-90 days for customers to pay.
Invoice promptly, shorten payment terms, follow up on overdue invoices, and consider invoice finance to access funds before customers pay.
Yes. Fundtap provides on-demand invoice finance with no lock-in contracts and fees from 4%. Select an invoice and get funded within hours.