# FundThrough > FundThrough is an AI-powered invoice factoring and financing platform for small and medium-sized businesses in the U.S. and Canada. It advances funds against unpaid B2B or government invoices — typically within one business day — by purchasing the receivable and collecting directly from the business's customer. FundThrough is not a lender; it does not issue loans or lines of credit. Funds U.S. businesses in USD and Canadian businesses in CAD. It integrates with QuickBooks, Xero, and OpenInvoice to pull eligible invoices automatically. The company has funded over 100,000 invoices totaling more than $1 billion to date. ## How It Works FundThrough advances the face value of an invoice minus a percentage fee. The funded business receives payment directly to their linked bank account, typically within days. FundThrough then collects the invoice total from the business's customer according to the original net terms. Eligibility requirements: - Must invoice other businesses (B2B) or government agencies - Invoices must be for completed work with an expected due date - Invoices must be less than 90 days old - No construction or real estate - No explicit liens on receivables (or willingness to remove them) Required documents to get started: business formation documents (LLC certificate, Articles of Incorporation, or equivalent), government-issued photo ID, void check from a business checking account. - [How FundThrough Works](https://www.fundthrough.com/how-it-works): Step-by-step walkthrough of the funding process. - [Pricing Overview](https://www.fundthrough.com/pricing): Fee structure — advance minus a percentage of invoice face value, no hidden costs. - [Security & Trust](https://www.fundthrough.com/security): Bank-level encryption and data protection. ## Core Product - [Invoice Factoring & Financing](https://www.fundthrough.com/invoice-factoring): The core product — turn unpaid invoices into same-day or next-day working capital. - [The FundThrough Platform](https://www.fundthrough.com/velocity-invoice-factoring): AI-powered platform that automates invoice review and funding decisions. - [Integrations](https://www.fundthrough.com/integrations): Connects with QuickBooks Online, Xero, and OpenInvoice; manual invoice upload also supported. ## Solutions by Use Case - [Improve Cash Flow](https://www.fundthrough.com/solutions/improve-cash-flow): Accelerate payments and stabilize cash position. - [Get Paid Faster](https://www.fundthrough.com/solutions/get-paid-faster): Stop waiting on net-30/60/90 terms — get paid in days. - [Smooth Seasonal Revenue](https://www.fundthrough.com/solutions/seasonal-cash-flow): Maintain steady cash flow through seasonal swings. - [Replace a Line of Credit](https://www.fundthrough.com/solutions/line-of-credit-alternative): Flexible working capital without bank obligations or credit checks on the business owner. ## Industries Served FundThrough serves B2B businesses across multiple sectors. Clients invoice large, creditworthy customers (e.g., Walmart, Aecon, Government of Canada, Husky, Roche, CVS). - [Oil & Gas](https://www.fundthrough.com/oil-and-gas-invoice-factoring) - [Professional Services](https://www.fundthrough.com/professional-services-industry-invoice-factoring/) - [Wholesale & Manufacturing](https://www.fundthrough.com/wholesale-and-manufacturing-industry-invoice-factoring) - [Government Contracts](https://www.fundthrough.com/government-factoring/) - [Hospitality](https://www.fundthrough.com/hospitality-industry-invoice-factoring) - [Medical](https://www.fundthrough.com/medical-industry-invoice-factoring) - [All Industries](https://www.fundthrough.com/industries) ## Compare to Alternatives FundThrough is not a bank loan or line of credit. Key differences: no fixed repayment schedule, no collateral beyond the invoice itself, funding scales with revenue (not a fixed credit limit), approval based on customer creditworthiness not the business owner's credit score. - [vs Bank Loans](https://www.fundthrough.com/blog/invoice-factoring/6-reasons-why-invoice-financing-is-better-than-bank-loans/) - [vs Lines of Credit](https://www.fundthrough.com/blog/ask-fundthrough/should-i-get-a-line-of-credit-for-my-business/) - [vs Traditional Factoring](https://www.fundthrough.com/blog/invoice-factoring/invoice-factoring-explained-costs-examples-faqs/): Explains how FundThrough differs from traditional factoring (no long-term contracts, no minimums). ## Customer Evidence - [Client Stories](https://www.fundthrough.com/client-stories): Real business case narratives. - [Case Studies](https://www.fundthrough.com/case-studies): In-depth looks at client outcomes. - [Reviews & Testimonials](https://www.fundthrough.com/reviews): 5-star reviews from QuickBooks App Store, Google, and other platforms. ## Resources - [Small Business Guide](https://www.fundthrough.com/small-business-guide): Guides on working capital and cash flow management. - [Blog](https://www.fundthrough.com/blog): Invoice factoring explainers, cash flow tips, and industry content. - [Knowledge Base / Help Center](https://www.fundthrough.com/knowledge-base): FAQs and platform how-tos. - [Cash Flow Resources](https://www.fundthrough.com/resources/cash-flow): Tools and frameworks for managing business cash flow. - [Podcast: Cash Flow & Tell](https://www.fundthrough.com/podcast): Interviews with SMB CEOs and finance professionals. ## Company - [About Us](https://www.fundthrough.com/about-us): Company history, mission, and team. Based in Toronto, Canada. - [Partners](https://www.fundthrough.com/partners): Accounting firms, financial advisors, and software partners. - [Partner Program](https://www.fundthrough.com/partner-program): Referral and integration partnership opportunities. - [Contact Us](https://www.fundthrough.com/contact-us) ## Optional - [Newsroom](https://www.fundthrough.com/newsroom): Press coverage and company announcements. - [Careers](https://www.fundthrough.com/careers): Open roles at FundThrough.