Invoice Finance Cost Calculator

By FundTap Team ·19 May 2026

TL;DR: Compare the actual cost of FundTap invoice finance with an overdraft, business loan, or credit card for the same invoice over the same period. Free, no email required, no spreadsheet needed. Numbers are calculated client-side using FundTap's published fee structure.

Invoice details

Invoice amount (AUD or NZD) Days until customer pays Comparison option

How this calculator works

The FundTap fee is calculated from our published rate card: from 4% per invoice on short turnarounds, scaling with the number of days until your customer pays. Comparison costs are simple annualised-rate calculations on the same invoice over the same period.

Important caveats

This calculator is indicative. Your exact FundTap fee depends on the customer's credit and the specific invoice. We show the exact fee before you confirm.
Overdraft and business-loan headline rates can be lower in practice IF you can qualify. Many small businesses can't access a competitive overdraft because banks require property security.
The calculator does not include setup fees, monthly fees, or early-repayment fees for the comparison options. FundTap has none of these.

Frequently asked questions

Is the calculator accurate?

The FundTap fee in this calculator is derived from our published rate card and matches what you would see in the FundTap portal for a typical invoice. Your actual fee will be shown to you exactly before you confirm any funding.

What if my customer pays earlier than expected?

You only pay for the days you actually use the funding. If your customer pays earlier than the estimated days, your fee is reduced. There are no early-repayment fees.

Why does invoice finance look more expensive than an overdraft in some cases?

Overdrafts can have lower headline rates IF you qualify. Many small businesses can't because banks require property security. FundTap is unsecured against your business (the funding is secured against the invoice instead) and you can get funded the same business day with no application process.

What if my invoice is larger than $500,000?

FundTap funds invoices up to $500,000 routinely. For larger amounts, contact our team to discuss.

The work's done. The money shouldn't be the wait.

Get started See how it works

4.9 250+ reviews

Invoice Finance Cost Calculator

Invoice details

Results

How this calculator works

Important caveats

Frequently asked questions

Keep reading

The Cheapest Way to Fund Unpaid Invoices in Australia

How to Have the Cashflow Conversation With Your Clients

How to Set Invoice Payment Terms to Maintain Healthy Cashflow

Keep Cashflow King with FundTap Invoice Financing