FundThrough is a leading North American invoice factoring company that helps businesses unlock cash tied up in unpaid invoices for 30, 60, 90+ days.

FundThrough combines technology with dedicated account support to make factoring simple, transparent, and fast. Thousands of businesses use FundThrough to improve cash flow without long-term contracts or hidden fees.

FundThrough is named Best Overall Factoring Company by trusted publications like Forbes and Investopedia.

For more information on FundThrough and Factoring, visit: How it works at SPS Commerce

FundThrough fees are 1.59% - 2.49% per 30 day net term, depending on you and your trading partners' credit strength. We invite you to sign up to see what you qualify for.

Your funding limit is primarily based on the credit strength of your trading partners (the retailers or trading partners on your invoices), along with your business history and invoicing patterns.

Rates are transparent and shown upfront before you factor any invoice. Fees range from 1.59%–2.49% per 30 days, based on your business and your trading partners' credit strength. You always see your exact cost before you proceed—no surprises. As your business grows, your funding limits can grow with you.

No. Applying for invoice factoring with FundThrough does not involve a hard pull on your personal credit. The approval process focuses primarily on the creditworthiness of your customers. However, FundThrough may review business credit as part of standard underwriting processes.

Securely connecting your accounting software or business bank account reduces your work effort to apply and fund new invoices, while improving your access to funding (including higher advance rates). It also allows FundThrough to:

• Verify invoices
• Assess customer payment history
• Determine your funding eligibility
• Streamline repayment when your customer pays
• Deposit funds

All connections are encrypted and secure.

Our process is simple, secure, and tailored to your application. To get started you'll share some basic business, identity, and banking information so that we can evaluate your eligibility. Documentation requirements vary by business and funding request and may include additional supporting materials, financial documents, or personal guarantee. The process is simple, straightforward, and secure. Our team will guide you through it and be available to answer questions along the way.

Yes. You can click "Get Started" to create your own credentials and apply.

Yes, you can still work with FundThrough. If you're currently partnered with another invoice financing provider or factoring company, our team will review your existing agreement and walk you through the transition process. In many cases, we can coordinate a structured buyout or onboarding plan to ensure a smooth switch with minimal disruption to your cash flow.

Every situation is different, so we'll assess your current setup and outline the best path forward.

Eligibility of any promotional offer depends on FundThrough's review of your specific situation, including any existing financial agreements. If you qualify for the promotion (see offer details), we can review your current financing agreement and determine how to transition your funding relationship. This may involve reviewing outstanding balances or existing liens, and in some cases coordinating a buyout. Our team will guide you through the process to ensure you understand your options and remain eligible for any applicable promotional offers.

Yes. Once your account is active, you can submit eligible invoices from other customers and trading partners—even if they were not generated through SPS Commerce.

This allows you to use FundThrough across multiple trading partners and buyers, not just those within SPS Commerce.

Most applicants receive a funding decision and credit limit within a few days. In some cases, it may take up to 5 business days depending on documentation requirements. Once you factor an invoice, funds are typically deposited within 24 hours.

We will initially advance you 75% to 95% of your invoice amount and withhold the remainder until your customer sends their payment to FundThrough according to the net terms of the invoice. Once we receive your customer's payment, we will send you the remaining invoice total less our fee.

Sometimes customers don't pay on time; we understand that this is a tough situation. Our Collections team will reach out to you and your customer to get a payment update. Please note that our team is always polite and professional to maintain your valuable customer relationships. If the team does not receive a sufficient update on payment, and the invoice is significantly overdue, then the invoice may be charged back. This means we will need you to pay off the invoice through a repayment plan.

An additional daily fee will also accrue until the full amount of the invoice is paid. If the invoice remains unpaid for an extended period we may ask you to substitute another invoice for the value of the missing payment or pay the outstanding balance. This happens rarely though!

If your customer disputes an invoice we have funded, we require you to let us know so we can attempt to resolve this with you. We will work with you to reconcile payment and work together on a re-payment plan if that makes more sense for your cash flow.

You can monitor:

• Outstanding invoices
• Funding amounts
• Fees
• Payment status
• History

All within your secure online FundThrough dashboard. Sign Up to Get Started today.

Because repayment is tied to your customer's payment, there are no traditional loan-style late fees. Any applicable terms are clearly outlined in your factoring agreement before you proceed.

Invoice factoring with FundThrough provides:

• Selective invoice funding (you choose which invoices to factor)
• No long-term contracts
• No monthly minimums
• Transparent pricing
• Professional collections support
• Improved collections efficiency
• Dedicated account management

Unlike many traditional financing products, factoring is not a loan—you're selling your receivable to accelerate cash flow.

FundThrough is SPS Commerce's trusted factoring partner because of its:

• Fast approvals and funding
• Transparent, simple pricing
• Flexible, on-demand funding
• Dedicated customer support
• Strong experience serving retail and B2B businesses

FundThrough helps suppliers grow without the contracts, caps, or complexity often associated with traditional financing options.

For more information on FundThrough and Factoring, visit: How it works at SPS Commerce