“A dollar today is worth more than a dollar tomorrow.” Known as the time value of money, this principle guides smart financial choices. But when customers take 60–90 days—or even longer—to pay, the reality can impact your working capital and growth plans.
Most businesses do nothing about it. Smart ones act.
Cash flow management strategies are critical for SMEs. Waiting on invoices can strain operations, slow growth, and lead to reactive borrowing. Traditional fixes—like issuing loans or overdrafts—don’t provide a customer‑friendly solution.
Instead of early-payment discounts, consider a late payment premium as part of your pricing strategy.
How it works:
This is where traditional invoice financing often falls short—but Fundtap fills the gap.
Fundtap delivers advance payment for small businesses, tailored for modern workflows:
This means:
You’re not just managing cash flow—you’re building trust and offering convenience.
| Feature | Bank Overdraft / Loan | Fundtap (Invoice Advance) |
|---|---|---|
| Customer‑friendly flexibility | Typically no | Yes—customised to customer needs |
| Prevents payment delays stress | Not directly | Yes, you get paid upfront |
| Builds a selling advantage | No—finance is behind the scenes | Yes—make payment terms a differentiation |
| Adds financial clarity | Often opaque fees & interest | Transparent and optional fee structure |
By leveraging invoice financing for SMEs with a late payment premium, you:
Delays in payment don’t have to be a loss. By reframing late payments via fee-based flexibility, you create clarity, control, and a competitive edge. That’s not just better cash flow—it’s smarter business.
Let Fundtap help you turn your unpaid invoices into forward momentum.