Overview
FundThrough is an invoice factoring platform based at 260 Spadina Avenue in Toronto, Canada. Its homepage says it has been funding invoices since 2014, and it serves businesses in both Canada and the United States. US lending runs through a subsidiary, FundThrough USA Inc., which the site says makes or arranges loans under a California Finance Lenders Law license.
The company grew substantially through one acquisition. In January 2022 it bought the invoice factoring business of Bluevine, the US fintech that had started out as a factoring company before shifting to business banking and lines of credit. According to the International Factoring Association's report on the deal, all of Bluevine's invoice funding staff joined FundThrough, the deal was expected to double FundThrough's US client count, and FundThrough was then processing more than $120 million in funding a month. If you were a Bluevine factoring client, FundThrough is where that business went.
FundThrough describes itself as an AI-enabled platform. You sign up online, connect an accounting system such as QuickBooks or an invoicing portal such as OpenInvoice, or upload invoices directly. It then verifies each invoice and customer and pays you early. It positions itself as a complement to a bank relationship rather than a replacement, aimed at businesses that sell to large companies or government agencies on long payment terms.
A note on sourcing: FundThrough's website blocked our automated requests with a 403 error in November 2026. We read its homepage and pricing page through Internet Archive snapshots taken on June 19, 2026, which are linked in the sources below. Confirm current terms with FundThrough before you apply.
Rates, advances and fees
FundThrough is one of the few factors that publishes a price. Its pricing page says it advances the face value of the invoice minus a percentage fee, and that typical fees run 1.9% to 2.9% per 30 days for businesses with up to $999,999 in total outstanding invoices. Companies with more than $1 million outstanding get custom pricing. The page marks the rate range as dependent on your company's and your customers' eligibility.
Two details matter when you read that number. First, the fee is charged per 30 days. If your customer pays on net 60 terms, a 1.9% rate becomes roughly 3.8% of the invoice, and a 2.9% rate becomes roughly 5.8%. That makes FundThrough cheap for customers who pay promptly and noticeably more expensive for customers who stretch to 75 or 90 days. Second, FundThrough advances up to 100% of the invoice, minus the fee, rather than holding back a 10% to 15% reserve until the customer pays, as its pricing page says traditional factors do. You get more cash up front, but there is no reserve cushion to absorb a short payment.
The pricing page's comparison table says FundThrough has no hidden fees, and it contrasts itself with banks that charge underwriting, minimum utilization and annual review fees. We could not find a separate schedule for wire or ACH fees, or a statement on what happens if a customer pays late beyond the agreed period. Ask for both in writing. Our guide to hidden factoring fees lists the line items to check.
The pricing FAQ also says that factoring rates across the industry typically run 1% to 5% of the invoice value per month. That is a general market statement, not FundThrough's price, but it is useful context: FundThrough's published range sits toward the low end of that band for invoices that are paid within a month.
Contract terms
FundThrough's strongest contract feature is flexibility over which invoices you fund. Its homepage says you can choose which customers to factor and which invoices to fund, that you only pay when you factor, and that there is no required minimum funding after your first invoice funding. Its pricing page adds that there is no obligation to factor your entire receivables. That is genuine spot factoring, and it is a good fit for businesses that only need cash occasionally.
The wording "after your first invoice funding" deserves attention. It implies the first funding comes with conditions that later ones do not, and the site does not say what they are. Ask before you start.
We found no published contract length, termination fee or notice period, and no clear statement about whether FundThrough's agreements are recourse or non-recourse. The homepage describes the arrangement as low risk because "customer payments reduce your balance", which reads like a recourse structure, but that is our inference, not something FundThrough states. If your customer refuses to pay, you need to know whether you owe FundThrough the money. Get that answer in writing, and read our guide to recourse vs non-recourse factoring.
Customers will generally know FundThrough is involved. The homepage says it treats your customers with respect and that many large buyers already work with FundThrough, and the process ends with FundThrough waiting for your customer to pay on net terms.
Funding speed and service
FundThrough says that, after your first funding, money reaches your bank account within 24 hours of an approved request, minus the flat fee. The first funding takes longer because FundThrough has to verify your customer and invoices before it can advance. Its comparison table says approval and funding take days, against weeks or months at a bank.
The homepage lays the process out in four steps. You sign up with an email address or by connecting an accounting platform, upload invoices or let the integration import them, receive the advance less the fee, and then FundThrough waits for your customer to pay on the original terms. Because the platform verifies both the invoice and the customer before it pays, the smoothest cases are invoices to large, well-known payers for work the customer has already accepted. Invoices for disputed or partly delivered work are the ones most likely to slow the process down or be turned away, so clean paperwork matters more here than at a factor that underwrites your whole ledger once.
Support runs Monday to Friday, 9 a.m. to 5 p.m. Eastern, by phone at 1-800-766-0460 or by email, with an automated assistant outside those hours. Clients get a dedicated account manager and collections support, according to the pricing page.
We searched the Better Business Bureau for a FundThrough profile in November 2026 and did not find one.
Who it's for
FundThrough is built for B2B companies that sell to large enterprises or government agencies and wait on long net terms to be paid. Its pricing FAQ lists the basic requirements: outstanding invoices to at least one creditworthy customer, invoices to businesses or government agencies, and invoices for completed work with an expected due date. It names oil and gas, energy, technology, manufacturing, wholesale, professional services, agriculture, automotive and building supplies among the industries it works with.
It is not for everyone. FundThrough says it does not fund construction or real estate, and it will not work around a lien on your receivables that you are unwilling to have removed. It is also a poor fit for businesses that sell to many small customers, because the model depends on large, creditworthy payers.
Pros and cons
Pros
- Published pricing of 1.9% to 2.9% per 30 days for receivables under $1 million
- Advances up to 100% of the invoice, less one flat fee, with no reserve
- Spot factoring: choose which customers and invoices to fund
- No required minimum after the first funding
- Funding within 24 hours on repeat requests
- Accounting software integrations and a dedicated account manager
- Serves both US and Canadian businesses
Cons
- Fee is charged per 30 days, so slow payers raise the cost quickly
- No construction or real estate invoices
- Recourse terms, contract length and termination terms are not published
- First funding has conditions that the site does not spell out
- Support is limited to weekday business hours
- No BBB profile found
- Its website blocks automated access, so terms are harder to check
How it compares
Fundbox is the closest online alternative, but it is a lender that lets businesses borrow against invoices rather than a factor that buys them, and you keep collecting from your own customers. altLINE is a bank-owned factor that also publishes fee ranges but advances less up front. If you are a former Bluevine factoring client, FundThrough bought that business in 2022. Run the numbers for your own payment terms in our calculator.
Frequently asked questions
How much does FundThrough charge?
Its pricing page lists typical fees of 1.9% to 2.9% per 30 days for businesses with up to $999,999 in outstanding invoices, with custom pricing above $1 million. The fee is deducted from the advance.
How much does FundThrough advance?
Up to 100% of the invoice value, minus its flat fee, according to its pricing page. It does not hold back a reserve.
Do I have to factor all my invoices with FundThrough?
No. FundThrough says you can choose which customers and invoices to fund, and that there is no required minimum after your first funding.
What businesses does FundThrough not fund?
Its pricing page says it does not fund construction or real estate. It also requires invoices to businesses or government agencies for completed work.
Did FundThrough buy Bluevine's factoring business?
Yes. FundThrough acquired Bluevine's invoice factoring business in January 2022, and Bluevine's invoice funding staff joined FundThrough.