FundTap
FundTap turns unpaid invoices into cash. Businesses across New Zealand and Australia connect their accounting software, pick an invoice they’ve already sent, and get up to 90% of it. Once approved, FundTap funds it the same day, instead of waiting 30 to 60 days to be paid.
One fee per invoice, from 4%, quoted in full before you confirm. No lock-in, no monthly fees, and nothing changes for the business paying you. Operating since 2010.
Products on offer
| Product | Rate (p.a.) | Loan Amount | Term | Establishment Fee | |
|---|---|---|---|---|---|
| On-Demand Finance | From 4% per invoice | Up to $300,000 | 60 days | None | Go to site |
Get paid on your invoices without waiting
Most businesses that invoice on terms do the work, send the invoice, then wait 30 to 60 days to be paid. Wages, suppliers and materials don’t wait. FundTap brings that money forward one invoice at a time, so you choose what to fund and when.
Who are FundTap?
FundTap is headquartered in Nelson and operates across New Zealand and Australia, funding invoices for businesses that invoice their customers on terms.
What does FundTap do?
| FundTap connects to your accounting system and shows your unpaid invoices. Pick one, see the exact fee before you commit, and get funded. It’s online, paperless, and there’s nothing to sign each time. Connects to Xero, MYOB, Intuit QuickBooks and Reckon. No accounting software? Invoices can be uploaded manually. |
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How does FundTap Invoice Financing Work?
Here’s the steps to get invoice financing in a matter of hours
- Connect your software. Registration takes about 10 minutes. A secure connection to Xero, MYOB, QuickBooks or Reckon, and you can disconnect any time.
- Pick the invoice. Your unpaid invoices appear in the portal. Choose one, several, or none.
- See the fee. The exact fee, calculated for that invoice, shown before you confirm.
- Get funded. Once approved, FundTap funds it the same day. Repayment runs automatically on the invoice due date.
Opening an account is free and there’s no obligation to fund anything.
How much does FundTap Invoice Financing Cost?
One fee per invoice, from 4% of the invoice value. The exact dollar amount is calculated for that invoice and shown before you confirm, so there are no surprises. No sign-up fees, no admin fees, no documentation fees, no early repayment fees, no monthly or annual fees. You pay only for the invoices you choose to fund. Repay early and the fee is recalculated down to reflect the shorter time
Who is eligible?
Opening an account is free and your business is assessed at no cost.
- Actively trading in New Zealand or Australia
- You invoice your customers on terms – your customers can be other businesses or consumers
- The work is done and the invoice is unpaid. Most of what we fund is due within 60 days; longer terms are looked at individually
- Your accounts are in order
Keypoints about FundTap Invoice Finance NZ
FundTap have leveraged technology and knowledge of business finance to create a first rate invoice financing solution. The result is that FundTap really standout among small business lenders to be your partner in business growth. Some key points we believe you should know.
- Your customers are never contacted. They keep paying you into your normal account, exactly as they do now.
- You don’t change your bank account or your invoicing. Nothing about how you bill changes.
- Use it when you want to. Fund one invoice, several, or none. A limit costs nothing while it sits unused.
- Repayment runs automatically by direct debit on the invoice due date.
- Repay early and the fee reduces. If your customer pays late, you can push the repayment date out in the portal and the fee recalculates.
- No lock-in and no whole-ledger commitment. FundTap funds the invoice you pick, not everything you’re owed.
- The typical FundTap customer is invoicing around 28% more a year later. (Median annual invoicing growth across FundTap customers, measured July 2026.