How FundTap Gets You Paid Within 2 Hours of Approval

How FundTap Gets You Paid Within 2 Hours of Approval

You have completed the work. You have sent the invoice. And now you wait.

For most businesses, that wait is 30 to 60 days. Sometimes longer. In the meantime, wages are due, suppliers need paying, and the next project needs funding.

FundTap changes that timeline. Here is exactly how it works.

Step 1: Connect Your Accounting Software

FundTap integrates directly with Xero, MYOB, and QuickBooks. The connection takes a few minutes and gives FundTap read access to your outstanding invoices.

This is a one-time setup. Once connected, your invoices are automatically visible whenever you log into FundTap.

Step 2: Select the Invoice You Want to Fund

FundTap shows you your outstanding invoices and which ones are eligible for funding. Eligibility is based on the creditworthiness of your client (debtor), not your personal credit history.

You choose which invoice to fund. There is no requirement to fund all your invoices, you select only what you need. You can fund one invoice or several, whenever the timing suits you.

Step 3: receive funds within 2 hours of approval

Once you confirm a funding request, FundTap advances the funds to your bank account. Once approved, this happens within 2 hours.

The amount advanced is a percentage of the invoice value, typically around 80-95%, with the remainder (minus fees) released when your client pays.

Step 4: Your Client Pays as Normal

Your client pays you exactly as they normally would. Your payment details have not changed. They have no involvement with FundTap and are not notified of the arrangement.

You collect payment from your client as usual.

Step 5: Automatic Settlement

When your client's payment arrives, FundTap's fee is settled automatically. Your accounting software is updated to reflect the completed transaction.

There are no manual repayments to manage and no ongoing obligations once the invoice is paid.

What This Means in Practice

For a business that invoices $50,000 in a month on 45-day terms, having access to those funds within 2 hours of approval instead of 45 days is a significant difference.

It means payroll happens without stress. It means supplier invoices are paid on time. It means the next project can start without waiting for the previous one to be paid. It means you can say yes to new opportunities rather than saying not yet.

The Cost

FundTap charges a simple percentage fee on the invoices funded. There are no setup fees, no monthly fees for having access, and no penalties for not using it. You pay only for what you use.

The right way to think about the cost is against the value of having the cash now rather than in 45 days, the opportunities you can take, the stress you avoid, and the operations you can run smoothly.

Frequently Asked Questions