FundThrough

What does FundThrough offer?

FundThrough offers invoice factoring through an online platform that connects to QuickBooks and other accounting and payables software. You pick the invoices to fund, FundThrough advances up to 100% of their value, and the fee of 1.9% to 2.9% per 30 days is settled when your customer pays. Standard terms cover up to $999,999 in outstanding invoices, with custom pricing above $1 million. Its website is fundthrough.com. It publishes more than $3 billion in invoices factored, as a company figure, and acquired Ampla in 2025.

Who does FundThrough fund, and who do they decline?

FundThrough funds US and Canadian B2B businesses that sell to larger, creditworthy customers on payment terms. Named sectors include oil and gas, technology, manufacturing, wholesale, professional services, agriculture and government contracts. The decision rests on your customer's credit more than yours.

Its published exclusions are construction and real estate. Beyond that it does not publish decline criteria. A company that invoices consumers, or whose customers are small and unproven, will have little that qualifies. Construction subcontractors should compare Dare Capital, which specializes in that sector.

What does it typically cost and how fast is it?

FundThrough is one of the few lenders in this directory with a published price: 1.9% to 2.9% per 30 days on the invoice value. An invoice paid in 60 days therefore costs roughly 3.8% to 5.8% of its value. That is cheaper than most cash advances and more expensive than a bank line, which is typical for factoring; see our invoice factoring page for context. Other fees are not published, and funding speed is not quantified beyond a claim of fast access.

What will you need to apply?

Connect your accounting software or upload the invoices you want funded, with the related purchase orders or contracts, an aged receivables report, recent bank statements, and your corporate documents and owner ID. Our document checklist covers the list, and our factoring versus invoice financing comparison explains the two structures.

How does FundThrough compare with similar lenders?

Dare Capital is the construction specialist, factoring US subcontractor invoices with advances up to 95% and no long term contracts, which fills the gap FundThrough excludes. Capitally offers factoring plus asset based lending and purchase order financing up to $20 million in Canada, with a more hands on approach. FundThrough is the fastest and most transparent of the three on price, and the only one with a self serve platform.

How to apply

Apply once on this site and matching shows whether FundThrough, or a similar lender, fits your file. You can also ask your AI assistant to collect your documents and apply for you through our MCP server. A profile in this directory is a market reference and does not by itself mean the lender is on our network for your file; matching shows the lenders available to you.