Invoice Finance for Small Business Owners

TL;DR: As a small business owner, your cashflow 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 Cashflow 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, QuickBooks, Reckon)
2. Select the invoices you want to fund
3. Get funded the same day
4. FundTap collects the advance plus the fee via direct debit the invoice

Why Small Business Owners Choose FundTap

• Not a loan, you’re accessing money you’ve already earned
• No lock-in contracts, use it when you need to
• No minimum turnover, works for businesses of any size
• Funded same day, once approved
• Private and confidential, your customers are never contacted and never know
• A single fee from 4%, quoted upfront before you commit, with no monthly fees or hidden charges

The businesses that use FundTap tend to be growing

FundTap tends to be used by growing businesses. The typical customer is invoicing about 28% more a year on.

Median annual invoicing growth across FundTap customers. Measured July 2026.

See how FundTap works →