Invoice finance for sole traders

You don’t need a big business to use FundTap. If you invoice your customers and wait to get paid, FundTap is built for you. Set up in 10 minutes, get funded the same day.

Why sole traders use FundTap

Big clients often pay on 30-60 day terms regardless of your size
You have no buffer if a payment is late — it directly affects your income
You can’t afford to pass up a job because you’re waiting on another payment
Tax bills (GST, PAYE, ACC) arrive on fixed dates regardless of your clients

No minimum: Fund the invoices you need, when you need to.
No lock-in: Use it when timing is tight, stop when it’s not.
Fast: Money in your account the same day.
Simple: One flat fee per invoice.

Back to Who It’s For

Frequently asked questions

Can sole trader businesses use FundTap?

Yes. Sole trader 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. There is no debtor notification and your clients keep paying you directly.

How fast can a sole trader business get funded?

Setup takes about 30 minutes, approval is usually within 24 hours, 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.

Last reviewed 11 August 2026

Invoice finance for sole traders

Why sole traders use FundTap

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