Phinanse has partnered with FundThrough to advance millions of dollars to businesses across the U.S. who are waiting for customers to pay invoices.
Maintain a smooth, predictable cash flow schedule on your terms.
Payroll, expenses, and supplies paid promptly. Watch your suppliers smile.
Hire more employees, upgrade your space, and start orders right away.
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
We deposit the funds into your bank account within 24-48 hours so you can focus on getting down to business.
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.
No annual fees — pay only when you fund.
Keeping your on-demand funding account is free forever.
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.
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.
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.
After completing your account, FundThrough will provide you with a decision within one business day.