Suppliers want paying before the stock even ships, sometimes months before a big retail or corporate customer settles the invoice on 60 or 90-day terms.
★★★★★4.9 · 250+ reviews
You pay for materials or stock before you can invoice, then sell to bigger customers who settle 30 to 90 days later. FundTap funds the invoice you are waiting on, up to 90% of it, and shows the exact fee before you confirm. FundTap funds it within 2 hours once approved, from 4%. Your customer is never contacted.
Last reviewed 26 August 2026
The gap
Suppliers want paying before the stock even ships, sometimes months before a big retail or corporate customer settles the invoice on 60 or 90-day terms. FundTap funds the invoice you're waiting on, money already owed to you, brought forward on your own timing, so the next order doesn't have to wait behind the last one being paid.
A distribution customer
An upper North Island distributor sells electrical safety products to wholesalers who pay on the 30th of the following month. The stock has to be paid for well before then. For three years FundTap has been the top-up they reach for when the timing goes wrong.
How it works
Register in about 10 minutes and connect Xero, MYOB, QuickBooks or Reckon.
FundTap's approvals team reviews you, usually within a day.
Pick the one you want funded and see the exact fee before you confirm.
Once approved, FundTap funds you within 2 hours.
What it costs
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
When you fund an invoice
Businesses like yours using FundTap
Real FundTap customers. The same wait between doing the work and being paid.
A fruit and veg wholesaler in regional New South Wales buys at the markets and delivers to restaurants and aged care homes. The markets want paying within the month. The kitchens take closer to two months, and a big new contract meant a lot more produce to pay for first.
“...it's got to get approved by their head office before they will pay it.”
Market suppliers paid on time while restaurants and care homes take their time.
Read the story →A commercial printer in Auckland prints the job first and invoices its business customers on terms. The work done in February isn't paid until after the end of March.
“...we're not going to get paid for those invoices. Like, we need a cashflow advantage, you know, for the next few weeks.”
February's work paid for before the end of March, with customers paying as normal.
Read the story →A winemaker in regional South Australia makes and sells its own wine, and makes wine for other wineries too. The wine sits in stock for well over a year, and the distributors and export buyers pay a season after it ships.
Bottled stock ready for the orders, with distributors paying a season after shipment.
Read the story →Business names withheld. Quotes from calls with the FundTap team, lightly trimmed. Counts from FundTap's records.
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Read the articleQuestions
Yes. Makers and distributors commonly use invoice finance to bridge the gap between paying for materials or stock and being paid by their customers.
Yes. Because FundTap has no minimum volumes or lock-in contracts, you can use it heavily during peak seasons and not at all during quiet periods.
Funding scales with your invoice volume. The more invoices you issue, the more you can fund. There is no fixed limit.
No. Choose individual invoices to fund based on your cashflow needs. There is no whole-ledger requirement.
Invoice finance scales with your revenue and does not add debt to your balance sheet. A line of credit has a fixed limit that may not keep up with growing order volumes. Many makers and distributors find invoice finance more flexible.
Trade finance helps fund the purchase of goods before you have sold them. Invoice finance helps you access cash after you have sold goods and invoiced the customer. They address different parts of the cash conversion cycle and can be used together.
Our Nelson-based team, not a call centre.
Last reviewed