FundThrough is an invoice factoring and invoice financing platform designed to help B2B companies address cash-flow delays after supplying goods or services to large enterprises or government customers with net payment terms. Its model is to advance funds against eligible invoices, after which the customer pays FundThrough according to the original payment terms. The materials state that it has been operating since 2014 and claims to have factored more than $3 billion in invoices.
The platform emphasizes AI-driven and automated review. Businesses can upload invoices directly, connect QuickBooks Online or OpenInvoice, and, after registration, sync eligible invoices from Xero; unsupported software can be handled through manual uploads. Financing is relatively flexible: companies can choose specific customers or specific invoices for spot factoring, without being required to continuously factor all accounts receivable through the platform. In terms of funding speed, after the first financing, funds can be deposited into the linked bank account within 24 hours / by the next day. For risk control, FundThrough verifies the business, the customer, and the invoice. Invoices must come from creditworthy B2B or government customers, relate to completed work, have an expected due date, and typically be due in less than 90 days; the construction and real estate industries are excluded.
FundThrough uses a fixed-fee pricing model, with no setup fees or annual fees, and emphasizes that there are no hidden costs. For total outstanding invoices of up to $999,999, the typical fee is 1.9%β2.9% per 30 days; amounts above $1 million are priced via custom quotes. The platform can advance up to 100% of the invoice amount, but the fixed fee is deducted first. Compared with bank loans, the cost may be higher, but its advantages are faster approval and funding, flexible use of funds, non-dilutive financing, and what the materials describe as off-debt financing.
The advantages include an online process, selective financing, transparent fees, accounting system integrations, as well as A/R collection support, a dedicated account manager, and phone, email, and chat support. The limitations are also clear: it is only suitable for Canadian or U.S. businesses and is mainly focused on B2B / government invoices. FundThrough needs to contact the customer and redirect payment, so businesses should consider how that communication may be perceived by customers. Companies must also provide corporate documents, identification, a void cheque, and authorization for tax checks. It is best suited to small and midsize businesses with receivables from large customers that need working capital for payroll, purchasing, or taking on large projects.
The materials do not provide information on access from mainland China, RMB settlement, or services for Chinese businesses, so china_access can only be assessed as unknown. Chinese companies with cross-border accounts receivable financing needs should first compare local bank factoring, supply-chain finance platforms, or invoice financing services in their target markets. U.S. and Canadian businesses can compare FundThrough with BlueVine, traditional bank credit lines, and traditional factoring companies.
β This review is compiled from public sources and does not constitute a purchase recommendation. Verify all facts on the vendor's official site. Verify on fundthrough.com official site.
fundthrough.com is an Canada Payments provider. TG4G tracks its product information, an overall rating of 8.0/10, and a China-accessibility score of Limited (proxy recommended). Click "Visit Official Site" to reach fundthrough.com directly.