Get Your Invoices Paid Early
Unlock fast, flexible funding for growth and everyday expenses with accounts receivable financing and factoring.
4.6★
Rating on Google
100%
Advance rates available
97%
Reduction in wait to get paid
$1B+
Advanced to SMBs
The Most Flexible Accounts Receivable Financing You'll Find
Capital on demand
Choose invoices to get paid early as a source of fast funding, anytime.
Grow without limits
Get as much funding as you have in eligible invoices, for one flat fee — no hidden fees.
Easy experience
Our simple platform and dedicated support make early payments easy.
What clients say
FundThrough helped me manage cash flow for my deals, which was crucial. I was able to bring in more deals and buy more product from my suppliers.
Jermaine Kelly
Founder, Run Veggie
With FundThrough, we land bigger projects without stress about making money for payroll right away. If the pipeline project is two miles or 50 miles long, we have money to start that project.
Anna Garcia
Co-Owner, Global Pipeline
Banks couldn't keep pace with the rapid decision-making needed in our industry. They were slow to respond to our requests, and it felt like they weren't ready to fund a small, quickly growing business.
Lauralee Sheehan
Founder & Chief Creative Officer, Digital 55
How It Works
Three simple steps to get your invoices paid early.
Create your account
Create an account or sync your QuickBooks to automatically pull in eligible invoices and business information. We'll make a quick qualification decision and a customized funding offer.
Choose the invoices you want paid early
Pick which invoices you want paid quickly. We'll verify the invoice and your customer to give you peace of mind about payment.
Get paid and get back to business
See payment in your linked bank account the day after invoice approval. We'll handle your accounts receivable and let you know when your customer pays.
Why Accounts Receivable Financing With FundThrough?
Here's what sets us apart compared to other accounts receivable financing companies.
- No hidden fees
- 100% advance rates
- Unlimited funding potential
- No paperwork hassle
- No obligation to fund
- Speed and ease
- Unmatched flexibility
- Personalized service
- Advanced technology platform
FAQs
Accounts receivable financing uses your outstanding invoices as the basis for immediate cash, so you don't have to wait out your customers' payment terms. It's non-dilutive — you don't give up any equity to access it.
The process typically runs through eight steps: application, due diligence, agreement, invoice submission, funding, collection, payment settlement, and then the cycle repeats for future invoices.
Say ABC Manufacturing has $100,000 in outstanding invoices. At an 80% advance rate with a 5% discount fee, ABC receives an $80,000 advance right away, with the remainder settled once the invoices are paid, minus the fee.
Benefits include improved cash flow, easier approval than a bank loan, and no impact on your credit. Considerations include factoring fees and, depending on the structure, some loss of direct control over collections.
Rates typically range from 1% to 6%, depending on invoice size, customer creditworthiness, and how quickly you need funding.
Compare funding limits, advance rates, fee transparency, flexibility, industry experience, and the strength of the technology platform.
AR financing can be structured to stay discreet, with your business handling collections. AR factoring involves the factor collecting directly from your customer.
What is accounts receivable financing?
Accounts receivable financing uses your outstanding invoices as the basis for immediate cash, so you don't have to wait out your customers' payment terms. It's non-dilutive — you don't give up any equity to access it.
Questions about accounts receivable financing?
Speak with your dedicated account manager on the phone or online.
Get Started