What is FundThrough?
FundThrough is an AI technology-enabled invoice factoring platform that rescues businesses from cash flow chaos by getting invoices paid ahead of net terms—in days, not weeks. Designed as a complement to traditional banking relationships, FundThrough offers capital on-demand when approvals are slow or denied. The platform allows businesses to get 100% of their invoice value upfront (less a flat fee) without debt or dilution, giving them the freedom to choose which invoices to fund and when.
With features like unlimited funding based on eligible invoices, optional accounting platform integrations, and a simple four-step process—sign up, get approved, get paid, and get back to business—FundThrough streamlines invoice funding. The platform is trusted by thousands of businesses and recognized by Forbes Advisor, Investopedia, and others as a top factoring company. FundThrough serves B2B companies across various industries, including oil and gas, technology, manufacturing, and professional services, in Canada and the U.S.
Features
- Fast Funding: Get paid in as little as 24 hours after the first funding.
- 100% Advance Rate: Receive the full invoice amount minus a flat fee, with no holdbacks.
- Flexible Spot Factoring: Choose which invoices to fund, when needed, with no minimum funding requirements.
- Unlimited Funding: Access as much capital as you have in eligible invoices.
- Flat Fee Pricing: Simple, transparent fees starting at 1.9% per 30 days with no hidden charges.
- Accounting Platform Integration: Connect QuickBooks or OpenInvoice to import invoices seamlessly.
- A/R Collections Support: FundThrough manages customer payment follow-ups.
- AI-Powered Automation: Streamlines onboarding, verification, and funding processes.
Use Cases
- Covering payroll and operational expenses while waiting for customer payments.
- Taking on larger projects or contracts without worrying about cash flow gaps.
- Funding growth initiatives like marketing, hiring, or equipment purchases.
- Managing seasonal fluctuations in revenue with predictable cash flow.
- Avoiding debt or equity dilution by using non-dilutive invoice financing.
- Speeding up payment cycles for businesses with long net terms (30-90 days).
- Providing working capital for B2B companies that invoice large enterprises or government agencies.
- Supplementing traditional bank financing when approvals are slow or denied.
FAQs
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Are factoring fees more expensive than loans?
While factoring may seem costlier than traditional loans, FundThrough offers 100% advance rates, flat fees, and no hidden costs, making the value clear and predictable. Plus, the speed and flexibility of funding can help you seize opportunities and avoid costly cash flow gaps, often saving you more in the long run. -
Why do you charge a flat fee instead of a rate?
Flat fees make it easier to understand exactly what you’re paying. No compounding interest. No “rate creep” over time. Just simple, predictable pricing that helps you plan with confidence. -
What is a typical factoring rate?
A typical factoring rate ranges from 1% to 5% of the invoice value per month. The exact rate depends on details such as the creditworthiness of the customers, net terms, and the type of rate. FundThrough's fees start at 1.9% per 30 days. -
What are your basic requirements?
You might be a fit for FundThrough if you meet all the following requirements: Outstanding invoices to one creditworthy customer, invoice other businesses (B2B) or government agencies, invoices are for completed work (with an expected due date), no construction or real estate, and no explicit liens on receivables that you aren’t willing to have removed. -
Who do you typically work with?
FundThrough typically works with businesses located in Canada or the U.S. that invoice large businesses (B2B) or government agencies. Industries served include oil and gas, energy, technology, manufacturing, B2B wholesale & retail, professional services, agriculture, automotive, and building supplies. Many clients are B2B companies who want to factor some of their invoices instead of all their invoices (spot factoring).
