Working Capital for J & M Consulting Clients

Grow your business with short-term working capital

FundThrough provides J & M Consulting clients unlimited access to funds from outstanding receivables to grow and invest in their businesses.

Your full name*

Your business email address*

Your phone number*

Select your accounting software*

How much are you looking to fund?*

Create a secure password*

By clicking 'Create My Account 🔒' you agree to our terms and conditions

FundThrough uses the same encryption banks use to secure your data.
Read about it in our FAQ

FundThrough is a trusted J & M Consulting partner

J & M Consulting has partnered with FundThrough to advance millions of dollars to businesses across the U.S. who are waiting for customers to pay invoices.

Use your invoices to access anywhere from $500 to $10 million to grow your business

Manage cash flow

Maintain a smooth, predictable cash flow schedule on your terms.

Pay on time

Payroll, expenses, and supplies paid promptly. Watch your suppliers smile.

Expand operations

Hire more employees, upgrade your space, and start orders right away.

Getting started with FundThrough

1. Create a free account

No obligations, just a free and simple sign-up. Connections are secured with 256-bit encryption, just like your bank.

2. Connect your online bank and accounting software

A read-only connection lets us verify your unpaid invoices, evaluate your funding limit, and deposit funds into your account.

3. Choose which invoices to fund

Fund any number of invoices up to an approved limit – or factor large invoices at a preferred rate with no limit.

4. Celebrate cash flow freedom

Upon approval, funds can be available as soon as the next business day.

Pricing

No cost to maintain an account

Creating an account, getting set up after approval, and uploading invoices are always free. No contracts, no obligations, and no annual fee.

Repay early and we waive fees

Repay the full balance of your advance anytime, and we’ll waive any remaining fees so you can save money.

Preferred rates for invoices totalling over $50,000

Receive an advance of up to 95% of your invoice value as soon as your work is done. Terms are tailored to the needs of your business. Contact our funding team to discuss your options.

Under $50K

Over $50K

Under $50K

Over $50K

Create a free account to access cash flow freedom

No annual fees — pay only when you fund.

Grow your business today

Keeping your on-demand funding account is free forever.

Your full name*

Your business email address*

Your phone number*

Select your accounting software*

How much are you looking to fund?*

Create a secure password*

By clicking 'Create My Account 🔒' you agree to our terms and conditions

FundThrough uses the same encryption banks use to secure your data.
Read about it in our FAQ

“FundThrough solves a problem that keeps entrepreneurs up at night.”

– Mariam, Koa Natural Foods

Read Mariam’s Story

Frequently Asked Questions

How is my funding limit determined?

When using our invoice-backed credit line (for invoices totalling less than $50,000), your FundThrough funding limit is determined by looking at your sales history and the credit strength of your customers.

When using our eFactoring (for invoices totalling over $50,000) there is no limit whatsoever on your funding – we look at your sales history with specific customers to determine your advance rate (80-95%) and your funding fee (1-6%) and that’s it!

What isn’t required? No matter how you fund, we do not ask for lengthy business history, a business plan, minimum funding, or contract terms. As such, FundThrough does not impact your personal or business credit score.

Is there a limit to how big/small my funding limit can be?

FundThrough funding limits are designed to work for businesses of all sizes – regardless of whether you’re looking for $500, $50,000, or $5 million. Furthermore, your ability to fund grows automatically as you fund invoices and demonstrate strong repayment ability.

Will signing up affect my credit score?

Traditional financial institutions generally want to see that you are an established business with a lengthy, positive business and personal credit history. At FundThrough, we’ve developed a model to evaluate your fundability using different criteria like your sales history and the credit strength of your customers to provide you with a funding limit. In addition to not affecting your personal or business credit score, our model enables us to provide financial access to businesses that have been underserved and overlooked by banks.

When will I hear back about my application?

After completing your account, FundThrough will provide you with a decision within one business day.