Will using Fundtap affect my ability to borrow from a bank?

No — using Fundtap does not affect your borrowing capacity with banks.

Fundtap provides future funds you have already earnt, rather than lending money. Because it's not a loan, it doesn't appear as debt on your books and doesn't impact your ability to borrow from a bank through traditional lending.

Fundtap registers a security interest when you borrow money, via the PPSR Register. See our article "What is a PPSR?" if your bank queries this.