Funding without the Guesswork

When you fund an invoice, we’ll advance you the face value minus a percentage as our fee. Our typical fees start at 2.2% per 30 days.

For total outstanding invoices up to $999,999

2.2%-3%
per 30 days*

For total outstanding invoices above $1,000,000

Flexible Pricing

*Based on your company’s and customer’s eligibility.

FundThrough Reimagines Invoice Factoring to Get You Paid Effortlessly

Maximize the benefits of early invoice payments and stay in control of your cash flow. We offer flexible funding options, and no surprises.

Online application
No hidden fees
Choose invoice to fund
Advance rate of up to 100%
Unlimited funding
A/R Collections Support
Dedicated Account Manager
FundThrough
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Traditional Factoring
No
No
No
No
No
Yes
No

Ready to
get paid early?

See if you qualify

Invoice Factoring that just makes cents

No hidden fees

Forget the bait-and-switch. Traditional factors promote low rates, then stack on hidden charges. With FundThrough, what you see is what you pay, before you fund.

Flexible Funding

Only fund the customers and invoices you want with no obligation to factor your entire receivables. Keep control and save money by funding only what you need, when you need it.

Unlimited Funding

Access as much funding as your approved invoices allow, with a simple, flat fee. No tiers, caps, or surprises. Just consistent, predictable access to capital.

100% Advance Rates

Put your full invoice amount to work immediately. We advance the total—minus our fee—so you’re not waiting on the final 10–15% like with traditional factors.

Business owners, CEOs, and finance pros stop their cash flow struggles with early payments
FundThrough allowed us to grow exponentially...We were able to take on some larger projects that if we had to self-fund, we would never have been able to achieve. This has allowed us to take large leaps and very quickly because we know that we have the invoice funding process and a partner that wants to see us grow.

Ron Cedillo

Vice President, Lima Charlie

Banks were slow to respond to our requests, and it just felt like they weren’t really ready to fund a small, quickly growing business because they support so many large corporations.

Lauralee Sheehan

Founder, Digital 55

The great thing about invoicing funding in particular was being able to invoice and then get the cash. That helped us accelerate growth, and grow quicker than we’ve ever grown before.

Ken Miller

Owner, Liquid Gold Trucking

FundThrough allows us to develop the business faster. It gives us the confidence to go forward with cash flow to cover immediate expenses, particularly for a small business as we initially struggled with cash flow.

Dave Thompson

CEO, MapleX Naturals

While they wait for the cash, you get paid right away. I would say, for any business that has high upfront costs or constant costs like wages, that’s when it pays to fund

Rhona Baker

Owner, Gladiator Transport

Think outside the bank

Banks aren’t your only option. FundThrough gives you faster access to capital, full transparency, and more value for your money.

Funding speed
Approval time
Funding limits
Hidden fees
Debt-free funding
Non-dilutive funding
A/R collection support
FundThrough
Days
Days
Unlimited*
No hidden fees
Yes
Yes
Yes
Banks
Weeks
Months
Depends on creditworthiness
Underwriting Fee, Minimum Utilization Fee, Annual Review Fee
No
Yes
No

*For as much as you have in eligible invoices

See if you qualify

Flexible Funding with No Hassle. Apply in under 5 minutes to get started.

While factoring may seem costlier than traditional loans, FundThrough offers 100% advance rates, flat fees, and no hidden costs, making the value clear and predictable. Plus, the speed and flexibility of funding can help you seize opportunities and avoid costly cash flow gaps, often saving you more in the long run.

Flat fees make it easier to understand exactly what you’re paying. No compounding interest. No “rate creep” over time. Just simple, predictable pricing that helps you plan with confidence.

A typical factoring rate ranges from 1% to 5% of the invoice value per month. The exact rate depends on details such as the creditworthiness of the customers, net terms, and the type of rate.

The main factoring fee is called the transaction fee or discount rate. This is the amount of money that the factoring company withholds from the invoice total as their payment for advancing cash and waiting to get paid for you. However, interest rate isn’t the only information to consider when you’re evaluating offers from factoring companies. To read more about typical factoring rates, read our latest report.

You might be a fit for FundThrough if you meet all the following requirements:

  • Outstanding invoice of at least $100K in accounts receivables or invoices to one customer
  • Invoice other businesses (B2B) or government agencies
  • Invoices are for completed work (with an expected due date)
  • No construction or real estate
  • No explicit liens on receivables that you aren’t willing to have removed

While we provide flexible funding for a variety of businesses, they often have a few traits in common:

  • Businesses Located in Canada or the U.S.
  • Invoice large businesses (B2B) or government agencies
  • Industries such as oil and gas, energy, technology, manufacturing, B2B wholesale & retail, professional services,, agriculture, automotive, building supplies
  • B2B companies who want to factor some of their invoices instead of all their invoices (i.e. spot factoring)
FundThrough is a platform that allows businesses to get paid instantly on outstanding invoices.

Explore fast payments with an experienced fintech

Interested in possibly embedding FundThrough in your platform? Let’s connect!