Who is Fundtap For?

Published: November 4, 2025

Fundtap was built to give small businesses a flexible way to manage cashflow. Whether you're growing fast, planning ahead, or just dealing with the usual payment delays, Fundtap is designed to fit around your business — not the other way around.

Here’s a practical guide to who uses Fundtap and how it helps.

Table of Contents

• Fundtap Use Case 1: Planning Ahead

• Fundtap Use Case 2: Supporting Growth

• Fundtap Use Case 3: Solving Timing Gaps

• When You Can Use It

• Why This Works for Business Owners

Fundtap Use Case 1: Planning Ahead

Some businesses don’t need funding right now — but they know the day will come. Fundtap offers a cost and obligation-free pre-approved facility, so you’re ready when cashflow gets tight.

Think of it like insurance: you don’t pay anything until you need it. But when you do, it’s there — ready to help you act quickly and avoid disruption.

Fundtap Use Case 2: Supporting Growth

Fundtap is ideal for businesses going through growth phases. Growth is exciting, but it also puts pressure on cashflow. You may be spending on materials, staff, or delivery long before your client pays you.

Here’s a typical example:

• A manufacturer secures a large contract with 60-day terms

• They need to cover raw materials and production costs now

• With Fundtap, they can unlock cash from the invoice immediately, bridging the gap

Many businesses use Fundtap for just a few months during a growth surge, then return when the next big opportunity comes up.

Fundtap Use Case 3: Solving Timing Gaps

Most small businesses hit a cashflow crunch at some point. In fact, Xero reports that 95% of businesses in New Zealand and Australia will have at least one cashflow-negative month every year.

This is where Fundtap really shines.

You might have an invoice due next month but need to pay staff, GST, or suppliers this week. Fundtap lets you access the funds tied up in your unpaid invoices — with no need to chase clients or offer discounts to get paid faster.

When You Can Use It

Fundtap is built to be flexible. Once your account is set up and pre-approved:

• You choose which invoices to fund

• You only pay when you draw down

• There are no lock-ins or usage minimums

You can use it once a year or once a week — whatever your business needs.

Why This Works for Business Owners

Fundtap isn’t about pushing credit or forcing you into a cycle. It’s designed for control and clarity:

• You stay in charge of when and how you use it

• You know the cost upfront

• You can grow or bridge gaps without delays

That’s why businesses across trades, manufacturing, real estate, and services rely on Fundtap to keep moving.