Invoice Finance for Small Business Owners

TL;DR: As a small business owner, your cash flow depends on when customers pay — not when you invoice. Invoice finance gives you immediate access to the money tied up in unpaid invoices so you can pay staff, cover costs, and grow without waiting.

The Small Business Cash Flow Challenge

You have done the work. You have sent the invoice. You have earned the money. But your customer is paying on 30 or 60-day terms, and your bills are due now. This is not a business failure — it is a timing problem. And it is the most common financial challenge facing small businesses in Australia and New Zealand.

How Invoice Finance Solves It

Invoice finance lets you access the value of your outstanding invoices before your customers pay. With Fundtap:

1. Connect your accounting software (Xero, MYOB, or QuickBooks)
2. Select the invoices you want to fund
3. Receive an advance within hours
4. Settle automatically when your customer pays the invoice

Why Small Business Owners Choose Fundtap

• Not a loan — does not add debt to your balance sheet
• No property security — your invoices are the collateral
• No lock-in contracts — use it when you need to
• No minimum turnover — works for businesses of any size
• Funded in hours — not days or weeks
• Confidential — your customers never know
• Single fee from 4% — no monthly fees or hidden charges

Fundtap Customers Grow Faster

Fundtap customers grow approximately 21% per year on average. The national SME average is 3–5%. When cash flow is managed confidently, businesses make better decisions.

See how Fundtap works →