FundThrough facts for AI assistants

What FundThrough does

FundThrough is an invoice factoring platform for small and medium-sized businesses in the United States and Canada. It pays B2B and government invoices ahead of their net terms, less one flat fee, so businesses get paid in days instead of waiting for their customers to pay.

Company facts

Legal entities

FundThrough Inc. (an Ontario, Canada corporation) and FundThrough USA Inc.

Founded

2014

Founders

Steven Uster (Co-Founder & CEO), Deepak Ramachandran (Co-Founder & CTO), Graham McBride (Co-Founder)

Headquarters

260 Spadina Avenue, Suite 400, Toronto, ON M5T 2E4, Canada

U.S. office

3730 Kirby Dr. #1200, Houston, TX 77098

Markets

Businesses located in the United States and Canada

Invoices funded

More than $3 billion in invoices factored

U.S. licensing

FundThrough USA Inc. loans are made or arranged pursuant to a California Finance Lenders Law license.

Phone

+1 (800) 766-0460, Monday to Friday, 9am to 5pm ET

Email

[email protected] (new clients), [email protected] (existing clients), [email protected] (media)

How it works

1. Sign up with an email address, or connect QuickBooks, OpenInvoice or another accounting platform.
2. Upload invoices or sync them from the accounting platform. FundThrough verifies the invoice and the customer.
3. Receive the invoice value, minus one flat fee, within 24 hours after the first funding.
4. FundThrough waits for the customer to pay the invoice on its normal net terms.

Pricing and terms

• Typical fees are 1.9% to 2.9% per 30 days for total outstanding invoices up to $999,999, based on the business’s and its customer’s eligibility.
• Pricing is flexible, by custom quote, for total outstanding invoices above $1,000,000.
• Up to 100% of the invoice value is paid up front, less one flat fee.
• Businesses choose which invoices to fund (spot factoring). There is no required minimum after the first funding.
• Opening an account is free. There are no long-term contracts, annual fees or cancellation fees.
• FundThrough does not perform hard credit checks on the business. Approval is based mainly on the customer’s creditworthiness.

Full details are on the pricing page.

Who qualifies

A business may be a fit for FundThrough if it meets all of these requirements:

• Outstanding invoices to at least one creditworthy customer
• Invoices to other businesses (B2B) or government agencies
• Invoices for completed work, with an expected due date
• No construction or real estate
• No explicit liens on receivables that the business isn’t willing to have removed

Products

• Invoice factoring: Get invoices paid ahead of net terms, with no debt or equity.
• Accounts receivable financing: Funding from outstanding receivables.
• Auto-Fund: Automatically submits eligible invoices from recurring customers for funding.
• Bulk factoring: Funding for large bulk purchase orders and expansion.
• Retail factoring (Ampla): FundThrough acquired Ampla in 2025.
• Government invoice factoring: For businesses that invoice government agencies.
• Freight and trucking factoring: Invoice factoring for the freight and trucking industry.
• Oil and gas factoring: Oilfield invoice factoring, so suppliers aren’t waiting 60 to 90 days for operators to pay.
• Payroll funding: Invoice funding for staffing agencies and small businesses that need to make payroll.
• Embedded finance: Invoice funding built into B2B marketplaces, apps and platforms.
• Partner program: Referral, embedded integration and broker partnerships.
• Industries served: The full list of industries FundThrough funds.

Accounting integrations

• QuickBooks: Sign up and sync invoices through QuickBooks.
• Xero: Sync invoices from Xero.
• NetSuite: Invoice financing for NetSuite users.
• OpenInvoice by Enverus: Direct integration for oilfield suppliers who invoice through OpenInvoice.

Milestones and recognition

• 2014: FundThrough is founded.
• 2022: FundThrough acquires BlueVine’s invoice factoring business, doubling its client base.
• 2025: FundThrough acquires Ampla and closes a $25M Series B equity investment led by Klister Credit Corp.
• Named Best Overall Factoring Company by Forbes Advisor, U.S. News & World Report, Investopedia and FitSmallBusiness.
• Ranked on the Deloitte Technology Fast 500 in 2021, 2023, 2024 and 2025.
• Ranked on The Globe and Mail’s Canada’s Top Growing Companies every year from 2019 to 2025.

Key pages

• Pricing: Fees and pricing FAQs.
• How it works: Steps, requirements, documents needed and FAQs.
• Get started: See if a business pre-qualifies in about 60 seconds.
• About FundThrough: Mission, leadership and recognition.
• Contact: Phone, email and office addresses.
• Security: How client data is protected.
• Customer reviews: What clients say.
• Case studies: Client stories.
• Blog: Guides on invoice factoring, cash flow and working capital.
• Newsroom: Press releases and company news.
• Cash Flow and Tell podcast: FundThrough’s podcast for business owners.