The invoice is billed on completion, retainer or commission, but a council, insurer or corporate client pays to their own process, not yours. It's rarely bad debt, just a slow, process-bound payer.
★★★★★4.9 · 250+ reviews
Billed on completion, retainer or commission, then a council, insurer or corporate client pays to its own process. FundTap funds the single invoice you pick, this month and none the next. FundTap shows the exact fee first, then funds up to 90% within 2 hours once approved, from 4%. Your client is never contacted.
Last reviewed 26 August 2026
The gap
The invoice is billed on completion, retainer or commission, but a council, insurer or corporate client pays to their own process, not yours. It's rarely bad debt, just a slow, process-bound payer. FundTap funds the one invoice you choose, money already owed to you, brought forward on your own timing, and your client is never contacted.
Reflection Planning · New Zealand
Simeon McLean runs Reflection Planning on his own. When clients take their time to pay, FundTap advances the invoice. He has used it since February 2024, and kept using it after moving off Xero.
“I've been a happy customer with you for years and really appreciate the service.”Simeon McLean, Planning Consultant, Reflection PlanningRead the full story →
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 training provider in the lower North Island teaches young people who don't fit the school mould, mostly inside schools. Their income is guaranteed, but it arrives on a seasonal, government-driven schedule.
Guaranteed income on a seasonal cycle, with 131 invoices funded since 2023.
Read the story →A safety and quality consultancy in Darwin works with construction, quarrying and fabrication businesses. Its clients pay on terms that vary from job to job, and some pay late.
99 invoices funded since January 2026, each one chosen.
Read the story →A digital marketing agency in regional New South Wales bills retainer clients monthly and also does white-label project work. The retainers pay on short terms, but the project invoices run longer.
86 invoices funded, with 17 of them in March 2025 alone.
Read the story →Business names withheld. Quotes from calls with the FundTap team, lightly trimmed. Counts from FundTap's records.
Related
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Get paid on unpaid invoices with FundTap NZ & AU invoice finance. Within 2 hours once approved, from 4% per invoice, quoted upfront. 4.9★ · 250+ reviews.
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Read the articleQuestions
Yes. Any professional services business that invoices B2B clients, consultants, IT firms, lawyers, engineers, architects, accountants, and more, can use FundTap to access funds from outstanding invoices within 2 hours of approval.
FundTap integrates directly with Xero, MYOB, QuickBooks and Reckon. Once connected, you can view your outstanding invoices, select which ones to fund, and receive the advance within 2 hours of approval.
Yes. Whether you bill by milestone, retainer, or project completion, FundTap can fund any invoice raised to a business client. You choose which invoices to fund and when.
Fees start from 4% of the invoice value. There are no monthly fees, setup costs, lock-in contracts, or minimum volumes. You only pay when you choose to fund an invoice.
No. FundTap is completely confidential. Your clients pay you directly as normal, they are never contacted or notified that you are using invoice finance.
Our Nelson-based team, not a call centre.
Last reviewed