TL;DR: This guide covers key insights to help Australian and New Zealand small businesses make better financial decisions and manage cashflow more effectively.
At FundTap, we believe in complete transparency - no hidden fees, no surprises. You’re only ever charged when you choose to use FundTap, and you’ll always know exactly what it costs upfront.
There are no ongoing fees or subscriptions. The only time a client pays a fee is when they decide to draw down funds. You choose the invoices you’d like to get paid early, and FundTap advances the cash you need - simple as that.
All fees are quoted upfront, so you’ll always know the exact cost of funding before you proceed. That means you can make an informed decision every single time you submit an invoice.
FundTap’s fees are based on:
A 4% base fee, plus
A 15% annualised rate, depending on how long your invoice is outstanding.
In most cases, that works out to be between 4–6% of the invoice value.
You can try our funding calculator on the How It Works page to see an estimate of your funding costs before submitting.
You never get a surprise bill. The fee is transparent before you accept the payment from FundTap.
FundTap is designed to make managing cashflow easy and affordable.
You stay in control - draw funds when you need them, know the cost upfront, and pay only for what you use. No commitments, no lock-ins, just smart, flexible finance that works around your business.
FundTap provides on-demand invoice finance for AU and NZ SMEs. Select an invoice and get funded within hours, no lock-in, fees from 4%.
Yes. FundTap serves businesses across both countries, integrating with Xero, MYOB, and QuickBooks.
Most businesses receive funds within hours. Once set up, funding is typically same-day.