Now live in Australia

Get paid.On your terms.

Accounts receivable for Australian construction and trades. Your customer approves and pays in one action, so your claim stops waiting for their next payment run.

Talk to us See how it works

Approved once, paid on the day, in your account in seconds rather than three business days.

A builder at the tailgate of his ute on a house site at sunrise, reading his phone
Sent Day 00

The term is agreed. The date is not.

Thirty days is an agreement, and most of your customers keep it. What was never agreed is which day. Day 20 and day 45 sit inside the same account, and you find out which one afterwards.

Construction's average payment term is 33 days, the longest of any industry alongside Mining, and the average payment time is 30.9 days. Most customers pay inside the term. The trouble is that inside the term is a three week window.

Source: Payment Times Reporting Scheme, Cycle 10, August 2026.

The answer

The claim goes out as something your customer can act on the moment they have reviewed it, rather than a PDF that waits for a decision to be made somewhere else.

Owed Day 30

Your claim is waiting for a payment run, not for a decision.

Your customer is not sitting on your money. They are batching it. Paying one claim by hand means the BSB, the account number, the amount and the reference, checked twice. Nobody does that forty times a week, so it happens once a fortnight, and your claim waits for the run.

The answer

Approve one, pay one. No BSB, no reference, no payment run. Reviewing the claim and paying it become the same action, so there is no reason left to hold it back.

  1. Step 1

    Send

    Send your claim as a Request to Pay.

  2. Step 2

    They approve

    One tap. They see the line items before they agree.

  3. Step 3

    Paid

    Funds land in your bank account in real time.

Real-time payments powered by PayTo

Late Day 62

The date passed, and asking again is the only tool.

There is no penalty you would enforce on a customer you want to keep. So it is the statement, then the reminder, then the phone call you have been putting off. Unpaid admin, out of the hours you could be billing.

Around one in three construction invoices is paid after the term both sides agreed.

Source: Payment Times Reporting Scheme, Cycle 10, August 2026.

The answer

You can see which claims have been approved and which have not, so you chase the two that need it instead of the twenty you cannot see.

From 1 October you cannot surcharge it away

A card fee is a percentage. Ours stops at $5.00.

On a $25,000 progress claim a credit card costs you around $250. FUNDiMO costs $5.00 including GST. The bigger the progress claim, the bigger the gap, because our fee stops and theirs does not.

See what it costs
What it costs on a $25,000 progress claim
FUNDiMO$5.00
Free bank transferYour time
Card paymentapproximately $250
Invoice finance at 3 percent$750

0.4 percent per transaction. Minimum $1.20. Capped at $5.00 including GST.

No card rails means no card data.

There is nothing to store and nothing to leak.

Australian owned.

Built on the Sunshine Coast.

FinTech Australia member 2026 ABN 87 688 761 015
Where we are

Live today.

Real-time payment requests over PayTo. Virtual account deposits. Payments straight into your bank account.

Next.

Your receivables in one place. Xero. More ways for your customer to pay.

We would rather tell you what is coming than pretend it has arrived. If you invoice for a living, talk to us and help shape it.

Questions we get asked

Do you handle progress claims and retentions?

Not yet. We know they are how construction bills, and that retention held back is money owed with a date of its own. If that is your business, talk to us and help shape it.

Is there a limit on how much I can be paid?

Banks set their own ceiling on a PayTo agreement, typically between $10,000 and $25,000. Larger claims use a deposit path: your customer transfers to a virtual account number issued for the claim, and the payment is matched to it when it lands.

Does my customer have to sign up?

Yes. Your customer creates a FUNDiMO account and, the first time, approves a PayTo agreement with their own bank in their banking app. After that, paying a claim is one approval. Paying without an account is being built and is not ready yet.

How do I know which invoices are actually going to be paid?

You can see which claims your customer has approved and which are still waiting. That is visibility, not automation: FUNDiMO does not send reminders for you, it shows you the two claims that need a call instead of the twenty you cannot see.

All the questions we get asked

Get paid. On your terms.

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