Working capital finance
Your invoices are already revenue. We turn them into cash.
Fundterra buys the invoices you have issued for work you have already delivered, and pays you now instead of in ninety days. It is a true sale, so there is no loan, no new debt and no equity given away.
The problem
Every business pays before it gets paid. Few can afford the wait.
It is the same shape in every sector. The work is delivered, the invoice is issued, and then the business waits while its own costs keep running.
Before revenue
Your costs land first
Payroll, suppliers, materials and subcontractors are settled long before the customer pays for the work they funded.
30 to 90 days
Your customer settles
The stronger the customer, the longer the terms. You are financing them at your own expense.
The next deal
The cost you never see
Capital locked in an unpaid ledger is capital that cannot fund the next order, contract or hire.
How it works
Four steps, then it simply repeats.
Approval happens once. After that every invoice you choose to sell is funded on the same terms.
01 · Ledger
Submit the invoice
You send us the invoices you want funded, for goods or services you have already delivered.
02 · Diligence
We verify
We check the invoice and the credit standing of the customer behind it. Approval is a one-time setup, then it repeats.
03 · Purchase
We buy and pay
We purchase the receivable outright and pay you for it. It is a sale, not a loan, so nothing is added to your debt.
04 · Settlement
Your customer pays us
Your customer settles on their normal terms. You pay a fee on the invoices you sell and nothing on the ones you keep.
Structure
True sale
Speed
Days, not months
Collateral
No personal guarantees
Dilution
Zero equity
What a true sale means
We are buying an asset, not lending you money.
The difference matters. A loan sits on your balance sheet and has to be repaid. A sale of receivables does neither.
A sale, not a loan
We purchase the receivable outright. There is no loan to repay, no instalment schedule, and no debt added to your balance sheet.
Priced per invoice
You pay a fee on the invoices you actually sell us. An unused facility costs you nothing.
Sell what you choose
Fund one customer, one contract or your whole ledger. You are not obliged to sell every invoice you raise.
No personal guarantees
The invoice and the credit standing of your customer carry the deal, not a charge over your house.
Zero equity dilution
You are converting revenue you have already earned. No shares change hands.
Counterparty review included
We assess the customer behind each invoice, which doubles as a second opinion on who you extend terms to.
Industries
One structure. Underwriting that reads your sector.
The invoice is the same instrument everywhere. What changes is how your industry actually gets paid, and that is the part we underwrite against. Pick the one that sounds like your business.
Why us, not a bank
A bank lends against your past. We buy what you have already earned.
We underwrite the invoice and the customer behind it, which is why we can move in days and why a growing ledger raises your funding instead of triggering a review.
Who qualifies