FundTap's Commitment to Low-Cost Flexible Finance for Small Businesses

Small businesses have historically been underserved by the financial products available to them. Products designed for larger businesses, with requirements and structures that do not fit how small businesses actually operate.

FundTap was built with a different starting point: what does a small business actually need, and how do we make that accessible, affordable, and simple?

Transparent Pricing

One of the persistent frustrations with financial products is hidden costs. Application fees, facility fees, processing fees, exit fees — charges that add up in ways that are not immediately visible when you sign up.

FundTap operates on simple, transparent pricing. You know exactly what it costs to fund an invoice before you do it. There are no ongoing fees for having access to the platform, and no charges for invoices you choose not to fund.

Transparency is not just a nice-to-have. It is a practical requirement for small businesses that need to make fast, accurate financial decisions.

No Minimum Commitments

Traditional invoice finance products often require minimum usage commitments — a minimum number of invoices funded per month, a minimum ledger value, or a minimum contract period.

FundTap has no minimum commitment. A business that needs to fund one invoice in a quarter can do so without penalty. A business that needs to fund twenty invoices per month can do that too. The platform adapts to the business, not the other way around.

Accessible to Growing Businesses

The requirement for significant assets, long trading history, or strong personal credit has historically excluded many of the small businesses that most need funding support.

FundTap's eligibility criteria focus on the quality of the invoices being funded — specifically, the creditworthiness of the businesses that owe you money. This means businesses that have creditworthy clients but are themselves relatively young or asset-light can still access funding.

Built Around How Small Businesses Work

FundTap integrates with the tools small businesses already use — Xero, MYOB, QuickBooks. The process is built around existing workflows rather than requiring businesses to adapt to a new system.

Invoices are funded through the same accounting software businesses use every day. Repayments reconcile automatically. There is minimal additional administration.

Supporting Business Momentum

Ultimately, FundTap's goal is to help businesses maintain momentum. The timing gap between invoicing and payment should not be the thing that prevents a good business from growing, from taking on great work, or from paying its team on time.

Affordable, flexible, accessible finance is how we make that possible — for the businesses that have traditionally been left behind by financial products designed for someone else.