Invoice finance for construction businesses
You’ve done the work. Now you’re waiting 60 days for the invoice to clear while materials, subbies and wages can’t wait. Fundtap turns your approved invoices into money within hours — without touching your client relationship.
⭐⭐⭐⭐⭐ 4.9 stars · 240+ reviews on Google • 54% average revenue growth for Fundtap customers
The construction payment problem
Progress claims and project invoices routinely sit on 30, 60 or 90-day terms. Meanwhile:
- Material suppliers want payment upfront or within 30 days
- Subcontractors need to be paid fortnightly or weekly
- Payroll runs regardless of when your client pays
- GST and PAYE fall due on fixed dates
- New contracts require you to mobilise before any payment arrives
“Fundtap has been a game-changer for our construction business. We get funded the same day we submit an invoice — no waiting 60 days to pay our subbies.”
Sam T., Construction Business Owner, Auckland
How Fundtap works for construction
- Connect your accounting software — Xero, MYOB or QuickBooks. Takes about 10 minutes.
- Choose which invoices to fund — progress claims, milestone payments, final invoices. You choose, one at a time.
- Get up to 85% within hours — straight to your bank account, 24/7.
- When your client pays — Fundtap takes its flat fee and releases the remaining 15% to you.
What makes Fundtap different
| Feature | Fundtap | Traditional finance |
|---|
| Fund specific invoices | Yes | No |
| Confidential (clients never know) | Yes | No |
| No lock-in or exit fees | Yes | No |
| Funded within hours | Yes | No |
| One flat fee (no interest rate) | Yes | No |
Common questions
Can I fund progress claims as well as final invoices?
Yes. Fundtap works with any approved invoice from a business or government client — progress claims, milestone payments and final invoices included.
Do my clients find out?
No. Fundtap is 100% confidential. Nothing changes for your clients — they pay as normal, to the same account.
What if my client doesn’t pay?
Fundtap operates on a recourse basis, meaning you’re responsible if a client doesn’t pay. This keeps fees low. We only fund invoices from creditworthy business clients, so this is rarely an issue.
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