You've done the work and sent the invoice. Now you're waiting 30, 60, even 90 days to be paid. FundTap brings that money forward. Pick an invoice, see the fee upfront, and once approved it's funded the same day. We've partnered with them because it does what good finance should: it keeps you in control.
We only point business owners toward things we'd be comfortable using ourselves. What we like about FundTap is what it doesn't do: it won't lock you in or chase your customers, and it doesn't add new long-term debt to the business.
Fund one invoice, several, or none at all. You choose which, and you see the exact fee before you confirm a thing.
The money's already yours; FundTap just brings it forward. There's no new loan on the books and no lock-in, so you can stop any time with nothing owing.
Your customer pays you, into your own account, on the terms you already agreed. FundTap never contacts them, so nothing changes in the relationship.
Setup takes about ten minutes, and it connects straight to the accounting software you already use.
A secure connection to Xero, MYOB, QuickBooks or Reckon. Disconnect any time.
Your unpaid invoices appear in the portal. Choose one, several, or none.
One flat fee, worked out for that invoice and shown in full before you confirm.
Once approved, up to 90% lands the same day. Repayment is automatic on the due date.
More invoicing a year later, for the typical FundTap customer
Drop in overdue invoices after using FundTap
From 250+ Google and Xero reviews
We love the convenience and accessibility of FundTap. It's simple, which is really nice, and has enabled us to do things we wouldn't otherwise have been able to do.
Traditional factoring usually means signing over everything you're owed and locking in. FundTap funds the one invoice you choose, when you choose.
| FundTap | Traditional factoring | Unsecured loan | |
|---|---|---|---|
| Fund a single invoice you choose | Yes | No | No |
| Funded the same day once approved | Yes | Days | Days |
| Your customers are never contacted | Yes | No | Yes |
| No lock-in or ongoing commitment | Yes | No | No |
| No new long-term debt on the books | Yes | Varies | No |
| Fee quoted in full before you commit | Yes | Varies | Varies |
FundTap is for actively trading businesses in Australia and New Zealand that invoice their customers and wait to be paid. Your customers can be other businesses or consumers, and most of what's funded is due within 60 days; longer terms are looked at case by case.
If waiting on invoices is holding you back, whether you're chasing growth or just want steadier cashflow, it's worth a look. If your situation is really about unmanageable debt rather than slow-paying customers, that's a different conversation, and one we're always happy to have with you directly.
It costs nothing to set up an account or to have a limit sitting ready. You only pay a fee on an invoice when you choose to fund it.
IMPORTANT: Small Business Reboot is a referral partner of FundTap and is not the provider of this finance. Invoice finance is provided by Seascape (2010) Limited, trading as FundTap (ABN 47 914 654 579). Small Business Reboot may receive a referral benefit if you proceed. This page is general information only and is not financial, credit, tax or legal advice; it does not take account of your circumstances, objectives or needs. Eligibility, approval, fees and funding are determined by FundTap. Figures such as "from 4%", "up to 90%" and "same day" are indicative, depend on FundTap's assessment and are subject to FundTap's terms. Customer results, statistics and reviews are supplied by FundTap and reflect individual experiences, not a promise of any particular outcome. Consider whether the product is right for you and read FundTap's terms before applying. Current as at 17 September 2026. © Small Business Reboot.