If your business invoices clients on terms and runs a weekly or fortnightly wage bill that can't move, the money often goes out before it comes in.
★★★★★4.9 · 250+ reviews
Agencies pay staff weekly while clients pay monthly. FundTap brings forward an invoice you have already sent, up to 90% of it, ahead of the payroll run. FundTap shows the exact fee first and funds within 2 hours once approved, from 4%. Your client is never contacted, and an unused limit costs nothing.
Last reviewed 26 August 2026
The gap
If your business invoices clients on terms and runs a weekly or fortnightly wage bill that can't move, the money often goes out before it comes in. The money for that work is sitting on an invoice with a future date on it: FundTap brings it forward. A new contract starts, and the first month of wages goes out before the first invoice is even due. That makes a won contract a wages question before it is anything else. Some businesses set it up as a backstop and only reach for it in the months the wage cycle and the payment cycle run at different speeds.
Think Resourcing · Brisbane
Think Resourcing places IT contractors in healthcare. Contractors get paid on time; clients don't always pay that way. Karen van Huffel first used FundTap in 2023, came back in 2025, and has funded 15 times in 2026.
“I have new staffing commitments and I will need some funds, prior to invoices getting paid.”Karen van Huffel, Director, Think ResourcingRead 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 recruitment company in Auckland earns a fee each time it places someone. Its clients pay a month out or on the 20th of the month after, and the running costs don't wait for that.
Running costs covered while the placement fees come in on the 20th.
Referred by their accountant
Read the story →A Perth business cleans and gardens for aged care and disability providers. The work is done by its own people, week in and week out, and some of the providers pay a month after the invoice.
Care providers paying a month later, and the next round of work carried in the meantime.
Read the story →A labour-hire business in regional Queensland supplies people to mining clients who pay a fortnight after month end, and later when it slides. Its subcontractors are on much shorter terms.
Subcontractors paid on their terms while the mining clients pay after month end.
Read the story →Business names withheld. Quotes from calls with the FundTap team, lightly trimmed. Counts from FundTap's records.
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“The most stress I see people having is struggling to keep up with wages or ordering enough supplies to fulfil a contract.
FundTap Team
Read the articleQuestions
Yes. Recruitment and staffing is one of the most common use cases for invoice finance due to the mismatch between weekly contractor payments and monthly client billing.
You fund the invoices you have issued to clients and receive cash within 2 hours of approval. This cash can be used to cover contractor and temp payroll while waiting for client payments.
No. FundTap is completely confidential. Your clients continue paying you as normal with no notification.
No. FundTap has no minimum volumes or minimum invoice values. Fund as many or as few invoices as you need.
Invoice finance works for any B2B invoices. It is most commonly used for temporary and contract staffing where the payroll gap is ongoing, but it works for any invoiced recruitment service.
Our Nelson-based team, not a call centre.
Last reviewed