TL;DR: Farming and agriculture businesses often wait weeks or months between sending an invoice and getting paid, while wages, feed, fuel and supplier costs arrive on their own schedule. Invoice finance lets you access the money in an invoice you have already issued, usually within hours, so you can keep operating through the wait. With FundTap you choose which invoices to fund, your buyers are never contacted, and you repay automatically when they pay.
Invoice finance lets a farming or agriculture business access the cash held in an unpaid invoice straight away, instead of waiting 30–90 days for a processor, co-operative, wholesaler or exporter to pay. You pick the invoice, see the fee before you confirm, and the money lands in your account, often the same day. It is not a loan. You are accessing money you have already earned.
You connect your accounting software, choose the invoice you want funded, and confirm once you have seen the exact fee. FundTap advances 90% of the invoice value, usually within hours, and returns the remaining 10% (less the fee) once your buyer pays.
Because you fund one invoice at a time, there is no minimum, no lock-in and no commitment. Your buyers keep paying you directly, and they are never notified.
Income in agriculture is seasonal and lumpy, but costs are constant. You might invoice a processor or co-operative at harvest or on delivery, then wait weeks for payment while wages, feed, fuel, freight and supplier accounts keep coming.
The wait is the norm, not the exception. New Zealand small businesses wait an average of 24.8 days to be paid after invoicing, and are still paid 4.5 days late on average (Xero Small Business Insights, 2025). Late payments cost New Zealand small businesses about $827 million a year (Xero, 2023). In Australia, late business-to-business payments are at a six-year high (CreditorWatch, 2025).
For a seasonal business, that timing gap often lands at the worst point in the cycle, when you have spent on inputs but the income has not arrived.
You pay a single fee per invoice you choose to fund, shown in full before you confirm. There are no setup fees, no monthly charges and no lock-in, and the fee reduces if you repay early. FundTap fees start from around 4–6% per invoice, depending on how long until your buyer pays.
It is not new debt. You are bringing forward money you have already earned, and repayment happens automatically when your buyer pays.
FundTap is for business-to-business operators in New Zealand and Australia that invoice other businesses on payment terms and use accounting software such as Xero, MYOB or QuickBooks. That covers most farming and agriculture businesses selling to processors, co-operatives, wholesalers, distributors or exporters.
Funding goes up to $150,000 per customer, with no minimum, and your limit grows with your invoicing history. FundTap does not fund consumer sales, so direct-to-public sales such as roadside stalls or farmers’ markets are not eligible.
“Farming income arrives in lumps, but wages and inputs do not wait. Invoice finance is simply a way to access money you have already earned, on your terms, so a slow-paying buyer does not dictate your season.”
Matt Peacey, Founder and CEO, FundTap
Setup takes about 30 minutes. Approval is usually within 24 hours, and most invoices are funded within hours of approval, often the same day.
To see the mechanics, read how FundTap invoice finance works or check who is eligible.
Yes. Farming and agriculture businesses that invoice other businesses, such as processors, co-operatives, wholesalers or exporters, on payment terms can fund their unpaid invoices. Direct-to-public sales are not eligible because FundTap funds business-to-business invoices only.
How does invoice finance help with seasonal income?It lets you bring forward the money in invoices you have already issued, so you can cover wages, feed, fuel and supplier costs during the wait between delivery and payment. You fund only the invoices you choose, when you need to.
Will my buyers know I am using invoice finance?No. FundTap never contacts your buyers. There is no notification, and they keep paying you directly as normal.
How much does invoice finance cost for a farming business?A single fee per invoice you choose to fund, shown before you confirm, starting from around 4 to 6% depending on how long until your buyer pays. There are no setup fees, no monthly charges, and the fee reduces if you repay early.
How fast can I get the money?Setup takes about 30 minutes and approval is usually within 24 hours. Most invoices are funded within hours of approval, often the same day.
Is invoice finance a loan?No. You are accessing money you have already earned, not taking on new debt. Repayment happens automatically when your buyer pays the invoice.
How much can I access?Up to $150,000 per customer, with no minimum. Your limit is based on your invoicing history and grows as your business grows.
Get started in minutes. Connect your accounting software, pick an invoice, and see what you can access. Visit FundTap for agriculture.