Get ahead of inventory and materials with manufacturing invoice factoring
Keep the production line running or products moving. Get paid early for consistent cash flow with FundThrough.
$4B+
Business Paid Early
Fast, flexible funding that moves at the speed of placements.
52
Days Saved with Autofund
End extended terms by getting paid faster.
4.5
★★★★★
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What is manufacturing and wholesale invoice factoring?
Manufacturing and wholesale invoice factoring lets you get invoices paid ahead of net terms, bridging the gap between delivered orders and slow-paying customers on Net 30, Net 60, or Net 90 terms. Instead of waiting months to cover raw materials, production costs, and supplier payments, tech-enabled invoice factoring for manufacturers and wholesalers like yours unlocks quick funding that works alongside your bank.
Stop chasing the wrong funding options.
Try FundThrough.
Funding that Flexes with Wholesale and Manufacturing
Manufacturing invoice factoring and wholesale factoring built for the unique realities of businesses like yours
Keep production moving while your invoices clear
Materials, labor, and overhead don’t wait for net terms. FundThrough pays you in a day so you can restock inventory or raw materials, meet payroll, pay suppliers on time, and start the next production run without acting like a bank for your customers.
Win bigger production or inventory orders with capital you can count on
Landing a major contract should feel like a win, not a financial stress test. Say yes to bigger opportunities and deliver finished goods or inventory without draining your reserves or waiting weeks for bank approval.
Pay raw material suppliers on time
Your customer dictates Net 60 or Net 90. Your suppliers selling raw materials only give you Net 30. Manufacturing invoice factoring ends the mismatch between A/R and A/P for a seamless cash flow cycle. Pay on time and keep supplier relations strong.
How FundThrough Works
AI and automation speed up your application and funding ahead of traditional factors relying on manual, paper-based processes.
1
Sign up for FundThrough with your email address or connect your QuickBooks, OpenInvoice, or other accounting platform.
2
Get approved
Upload your invoices or connect your accounting platform for even faster funding. We’ll verify your invoice and customer to give you peace of mind about your payments.
3
Get paid & Get growing
You’ll see your cash in your bank account minus one flat fee within 24 hours, after your first funding. We wait for your customer to pay. You put your funding to work!
How we work with your customers
We get it: your customer relationships are critical to your success. That’s why our team treats them professionally and minimizes their role in the funding process. We already have relationships with hundreds of enterprise businesses. Chances are good that your customers work with FundThrough and already know us!
FundThrough Reimagines Invoicing to Get You Paid Effortlessly
Powered by technology, our approach makes getting funded quicker and easier than both traditional factoring and banks.
| FundThrough | Traditional Factoring | Banks | |
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| Online application |  |
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| Fast, automated processes | |
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| Flexible fee structure | |
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| Choose invoices to fund | (as available) |
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| Up to 100% advance rate | |
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| Unlimited funding | |
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| Personalized support | |
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Frequently Asked Questions
Invoice factoring, also known as invoice financing or invoice funding, is a way to fund your wholesale or manufacturing business using your own receivables. A factoring company, like FundThrough, pays your invoice early — ahead of net terms — so you can restock inventory, cover production costs, and fulfill new orders without waiting on distributor or retailer payment cycles.
You choose the invoices you'd like to fund through the FundThrough platform (if your agreement includes spot factoring). Once approved, FundThrough pays you the invoice total less fees and waits for your buyer or distributor to pay according to the net terms. Funds are deposited into your bank account within one business day, so you can keep production lines moving and orders shipping without interruption.
There's no cost to open an account and no fees to keep it open. You only pay when you choose to get an invoice paid early. FundThrough offers 100% advance rates minus fees, giving wholesalers and manufacturers a predictable cost to factor into their margins. For more info, see our pricing page.
It depends on your factoring agreement. FundThrough customizes its funding offer, which may include the option to choose only the invoices you want to fund. This gives manufacturers and wholesalers the flexibility to factor selectively: for example, when fulfilling a large order requires upfront materials or labor costs before payment arrives. However, an agreement with ongoing funding built in can come with lower fees, which may make sense for businesses with consistently long payment terms across their customer base.
Invoices are ineligible if:
- The first funding total is less than $100,000 (or the business doesn't have at least $100K in receivables to one customer)
- The invoices aren't B2B or government-related
- The goods haven't been delivered or the invoice lacks a clear due date
- The business operates in construction or real estate
- There are existing liens on receivables — though we can work with you on a lien subordination agreement
Invoices that are already paid, overdue, carry net terms greater than 90 days, or are missing customer names are also ineligible. Purchase orders, proforma invoices, and estimates cannot be funded.
FundThrough is a platform that allows businesses to get paid instantly on outstanding invoices.
Have questions?
Not sure where to start? Connect with one of our dedicated onboarding support specialists.