Traditional invoice finance often makes you fund your whole ledger and tell customers to pay the finance company. FundTap has updated the model: you choose which invoices to fund, it's confidential, and there's no long-term debt. It works alongside a bank loan and needs no large minimum. The typical FundTap customer is invoicing about 28% more a year on.
Last reviewed 03 November 2026
Invoice finance is a great way to help businesses stay on top of day-to-day running costs.
However, some aspects of it aren’t great.
You have to tell customers to pay invoices to the finance company, which means telling them you’re getting finance. It’s kind of embarrassing.
You also have to use it for all of your invoices, rather than just the ones you need finance for. It’s kind of expensive.
FundTap gives you the benefits of invoice financing without these kinds of issues.
Why use invoice financing?
Growing a business requires investment:
- Paying bills
- Covering set up costs
- Purchasing equipment
- New product development
- Hiring staff
- Purchasing supplies
When you don’t have the cash to invest upfront, you need business finance.
Invoice financing with FundTap is faster and easier to get than a bank loan. If you use it to its potential, it’s cheaper too.
Many small businesses don’t have the collateral to secure a loan against. You may also only need a small amount, but lenders have large minimum loans that come with higher fees.
Invoice financing is ideal when you need cash fast. You don’t need to carry long-term debt, and it can also be used alongside a bank loan to reduce the amount you have to borrow.
FundTap vs traditional invoice financing
FundTap helped us to grow by HOW MUCH??
FundTap has been loved by customers for more than 12 years.
The typical FundTap customer is invoicing about 28% more a year on (median annual invoicing growth across FundTap customers, measured July 2026).
If you’d like to learn more – find out how it works here.
Find out more
FundTap partners with finance professionals looking to help their clients find innovative, business-friendly finance.
Frequently Asked Questions
How does invoice finance work?
Select an outstanding invoice and, once approved, receive funds within 2 hours. Repayment is automatic on that invoice’s due date by direct debit. You choose which invoices to fund.
Is invoice finance a loan?
Not a traditional loan. You are accessing money you have already earned, on an invoice you have already raised, for one flat fee. Repayment is automatic on that invoice’s due date by direct debit, so there is no fixed weekly or monthly schedule to carry.
What does invoice finance cost?
FundTap fees start from 4%. No monthly fees, setup fees, or minimum volumes.
