Invoice financing with no credit check
Get invoices paid in days for easy funding — even if you have no credit history, bad credit, or a low credit score.
How does invoice factoring work?
It's the classic catch-22: you need credit to get financing, but you need financing to build credit. As entrepreneurs ourselves, we've been there. That's why invoice factoring requires no credit check on your business — approval is based on your customers, not you.
Do you need good credit for factoring?
No, you don't need a good business credit score to qualify for factoring. Factoring companies assess your customers' creditworthiness, not your business credit score, unlike traditional lenders who require excellent credit.
Is invoice financing easy to get?
It depends on the factoring company you work with, but having creditworthy customers goes a long way toward making it easier. Invoice financing is generally easier to obtain than other short-term SMB financing options, and works well for new and growing businesses seeking working capital without credit.
Does invoice factoring create additional debt?
No. Invoice factoring provides advance cash for completed work without creating debt or requiring you to give up equity. It's non-dilutive funding.
Easy access to capital
Get funding anytime without bank hassles or limits. FundThrough offers unlimited funding, so the more you invoice, the more capital you can access.
Fast, flexible funding
Skip waiting on net payment terms and get paid quickly, with a secure source of flexible funding. No debt, dilution, hidden fees, or monthly minimums.
Simple funding process
Integrations with QuickBooks and OpenInvoice, combined with AI and automation, make it easy to get funded and get back to business.
How online invoice financing works
See if you qualify today. Stop waiting on customer payments — if approved, you can advance funds within days from our online platform.
Create or connect your account
Create a free account or connect QuickBooks or OpenInvoice in minutes.
Choose which invoices to fund
Select the eligible unpaid invoices you want to advance.
Advance your invoices
Deposits are made within days, and your customer pays according to the original terms.
Get funded
Funds land in your account within the next business day. Put your capital to work for growth, payroll, equipment, and hires.
Get your business funded
See if you qualify today. Stop waiting on customer payments.
- No paperwork
- No obligation to fund
- No hidden fees
- No effect on your credit score
Invoice factoring services at FundThrough
On-demand working capital for growing businesses — see what customers are saying.
“I am pleased to recommend FundThrough for early stage and established small business funding for the type of products and ease of doing business.”
James R. — QuickBooks App Store
“I've been looking for this tool for the past few years and stumbled on FundThrough during my participation at QuickBooks Connect. They have a great software.”
Xtiane — QuickBooks App Store
“FundThrough has been instrumental in helping my company meet its cash flow needs quickly, easily and for low cost.”
Mark B. — Google Reviews
“We started using FundThrough in August of 2017. What impressed me the most has been the quick turnaround.”
Ahmed A. — Google Reviews