How does invoice finance help construction businesses?

Construction businesses often wait 30-90 days to get paid while materials, wages and subcontractor costs are due immediately. FundTap lets you fund selected invoices and get up to 85% of the value within hours.

Can sole trader builders use FundTap?

Yes. FundTap works for sole traders through to large construction firms, as long as you invoice other businesses or government and operate in New Zealand or Australia.

Does FundTap contact my clients?

No. FundTap is completely confidential. Your clients are never notified and there is no change to your normal invoicing process.

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 · 224 reviews on Google • 27% 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

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 90% within hours — straight to your bank account, 24/7.
When your client pays — FundTap collects the advance plus the fee via direct debit.

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

Check eligibility — it takes minutes

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.

Back to Who It’s For

Frequently asked questions

Can construction businesses use FundTap?

Yes. Construction businesses that invoice other businesses 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. There is no debtor notification and your clients keep paying you directly.

How fast can a construction business get funded?

Setup takes about 30 minutes, approval is usually within 24 hours, and most invoices are funded within hours of approval.

Can I fund part of an invoice to exclude retentions?

Yes. You can fund part of an invoice, which suits progress claims and retentions. Note the amount in the portal and FundTap advances against that portion only.

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.