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.
Let’s break down how this works in practice.
Example 1: Invoice due in 3 weeks
A client submits a $1,000 invoice due in 3 weeks.
Fundtap advances $900 (90% of the invoice value).
When the invoice is paid, Fundtap collects $900 + $49 in fees.
That’s the total cost for accessing your cash early.
Example 2: Invoice due in 6 weeks
A client submits a $1,000 invoice due in 6 weeks.
Fundtap again advances $900.
When the invoice is paid, Fundtap collects $900 + $57 in fees.
The longer the funding period, the slightly higher the fee.
Fundtap is designed to make managing cash flow 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.