The 20th isn't the day everything has to land.

Buyers in the rural sector pay on a fixed convention, often the 20th of the month following, whatever the work, forestry, farm servicing or a stock sale. Wages and inputs don't wait for that date.

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A tractor baling hay in evening light
+$4,050.00 FundTap · Direct credit · Today Received
No lock-in
Choose which invoices, no minimums
Same day
Once approved, funded same day
Never
Your clients are never contacted
From 4%
Per invoice, quoted upfront
In short

Can agriculture businesses use FundTap?

Yes. Agriculture businesses that invoice their customers on payment terms can fund their unpaid invoices with FundTap to cover wages, materials and day-to-day costs while waiting to be paid. You choose which invoices to fund.

Last reviewed 26 August 2026

The gap

Why FundTap suits agriculture

Buyers in the rural sector pay on a fixed convention, often the 20th of the month following, whatever the work, forestry, farm servicing or a stock sale. Wages and inputs don't wait for that date. FundTap funds the invoice you're waiting on, money already owed to you, brought forward on your own timing, so the 20th isn't the day everything has to land.

A tractor baling hay in evening light
Before payment lands

The agriculture timing gap

Seed, fertiliser and chemical costs due before harvest

Labour costs during peak periods before payout arrives

Processor or co-op payments on monthly or seasonal cycles

Export clients on 30-60 day terms

How it works

Get funded in four steps.

1

Connect

Register in about 10 minutes and connect Xero, MYOB, QuickBooks or Reckon.

2

Get approved

Our approvals team reviews your application, usually the same day.

3

Choose an invoice

Pick the one you want funded and see the exact fee before you confirm.

4

Get paid

Once approved, the money lands the same day, before 5pm.

See how it works in full

What it costs

Pricing that hands you the control.

From 4% per invoice, plus a small daily amount for the days until it's due, shown in full before you confirm. No monthly costs, no lock-in contracts, and it costs nothing while it's not in use.

Approved funding limit

$0while it sits there
  • No establishment fees
  • No monthly service charges
  • No break fees
  • No minimum, no lock-in

When you fund an invoice

4%from, per invoice
  • Up to 90% in your bank, funded same day once approved
  • Quoted before you confirm
  • No early repayment penalty
  • You choose which invoice, how long, and how much

Get set up for free

Questions

Before you check eligibility.

Can agriculture businesses use FundTap?

Yes. Agriculture businesses that invoice their customers on payment terms can fund their unpaid invoices with FundTap to cover wages, materials and day-to-day costs while waiting to be paid. You choose which invoices to fund.

Will my clients know I am using invoice finance?

No. FundTap never contacts your customers. Your clients keep paying you directly.

How fast can an agriculture business get funded?

Registration takes about 10 minutes, approval is usually same day, and most invoices are funded the same day of approval.

Do I have to fund all my invoices?

No. You choose which invoices to fund, one at a time. There are no lock-ins, no minimums and no whole-ledger commitment.

What does it cost?

A single transparent fee per invoice you choose to fund, shown in full before you confirm. There are no setup fees, no monthly fees and no lock-ins, and the fee reduces if you repay early.

Talk to a human

Rather ask first?

Our Nelson-based team, not a call centre.

Email us info@fundtap.co
Call NZ 0800 88 33 55
Call AU 1800 595 505

Take opportunities. Cover costs.

Keep moving.

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FundTap provides invoice finance for small businesses in Australia and New Zealand. Australia: +61 1800 595 505 New Zealand: +64 800 88 33 55 Email: info@fundtap.co Address: 255 Hardy Street, Nelson 7010, New Zealand ABN: 47914654579 NZBN: 9429031726887