# FundThrough

Source: https://businessloanbroker.ai/lenders/fundthrough/
Site: BusinessLoanBroker.ai (powered by Levr)

> FundThrough factors invoices for US and Canadian B2B firms at 1.9% to 2.9% per 30 days, advancing up to 100%, excluding construction. See who qualifies.

FundThrough is a Toronto fintech that pays your B2B invoices early, so you do not wait 30 to 90 days for a large customer to settle. It funds US and Canadian businesses with creditworthy customers at a published factor rate of 1.9% to 2.9% per 30 days, advancing up to 100% of the invoice, and it excludes construction and real estate.

## Key facts
- **Products:** Invoice factoring
- **Funding range:** Up to $999,999 in outstanding invoices on standard terms; custom pricing above $1 million
- **Repayment:** Factor rate of 1.9% to 2.9% per 30 days, settled as your customer pays; advances up to 100%
- **Security:** The invoices themselves
- **Operates in:** United States and Canada
- **Industries:** Oil and gas, technology, manufacturing, B2B wholesale, professional services, agriculture, government contracts; excludes construction and real estate
- **Founded and headquarters:** 2014, Toronto, Ontario

## What does FundThrough offer?

FundThrough offers [invoice factoring](https://businessloanbroker.ai/business-loans/invoice-factoring/) through an online platform that connects to QuickBooks and other accounting and payables software. You pick the invoices to fund, FundThrough advances up to 100% of their value, and the fee of 1.9% to 2.9% per 30 days is settled when your customer pays. Standard terms cover up to $999,999 in outstanding invoices, with custom pricing above $1 million. Its website is fundthrough.com. It publishes more than $3 billion in invoices factored, as a company figure, and acquired Ampla in 2025.

## Who does FundThrough fund, and who do they decline?

FundThrough funds US and Canadian B2B businesses that sell to larger, creditworthy customers on payment terms. Named sectors include oil and gas, technology, manufacturing, wholesale, professional services, agriculture and government contracts. The decision rests on your customer's credit more than yours.

Its published exclusions are construction and real estate. Beyond that it does not publish decline criteria. A company that invoices consumers, or whose customers are small and unproven, will have little that qualifies. Construction subcontractors should compare [Dare Capital](https://businessloanbroker.ai/lenders/dare-capital/), which specializes in that sector.

## What does it typically cost and how fast is it?

FundThrough is one of the few lenders in this directory with a published price: 1.9% to 2.9% per 30 days on the invoice value. An invoice paid in 60 days therefore costs roughly 3.8% to 5.8% of its value. That is cheaper than most cash advances and more expensive than a bank line, which is typical for factoring; see our [invoice factoring](https://businessloanbroker.ai/business-loans/invoice-factoring/) page for context. Other fees are not published, and funding speed is not quantified beyond a claim of fast access.

## What will you need to apply?

Connect your accounting software or upload the invoices you want funded, with the related purchase orders or contracts, an aged receivables report, recent bank statements, and your corporate documents and owner ID. Our [document checklist](https://businessloanbroker.ai/guides/document-checklist/) covers the list, and our [factoring versus invoice financing](https://businessloanbroker.ai/compare/factoring-vs-invoice-financing/) comparison explains the two structures.

## How does FundThrough compare with similar lenders?

[Dare Capital](https://businessloanbroker.ai/lenders/dare-capital/) is the construction specialist, factoring US subcontractor invoices with advances up to 95% and no long term contracts, which fills the gap FundThrough excludes. [Capitally](https://businessloanbroker.ai/lenders/capitally/) offers factoring plus asset based lending and purchase order financing up to $20 million in Canada, with a more hands on approach. FundThrough is the fastest and most transparent of the three on price, and the only one with a self serve platform.

## How to apply

Apply once on this site and matching shows whether FundThrough, or a similar lender, fits your file. You can also ask your AI assistant to collect your documents and apply for you through our [MCP server](https://businessloanbroker.ai/agents/). A profile in this directory is a market reference and does not by itself mean the lender is on our network for your file; matching shows the lenders available to you.

| Lender | Products | Funding range | Operates in | Best suited for |
|---|---|---|---|---|
| FundThrough | Invoice factoring | Up to $999,999 outstanding on standard terms | United States and Canada | US and Canadian B2B businesses waiting on invoices from creditworthy customers |
| Dare Capital | Invoice factoring | Projects up to $7,000,000; advances up to 95% | United States | Construction subcontractors and B2B firms needing invoice cash without long contracts |
| Capitally | Factoring, asset based lending, PO financing, cash flow loans | Up to $20,000,000 | Canada, some US | B2B businesses with creditworthy receivables but a weak balance sheet |

## Questions and answers
**What does FundThrough charge?**

A published factor rate of 1.9% to 2.9% per 30 days on the invoice value, settled when your customer pays. Multiply by the number of 30 day periods the invoice is outstanding to estimate the cost.

**Does FundThrough fund construction invoices?**

No. The profile lists construction and real estate as excluded. Dare Capital and Capitally both consider construction receivables.

**Will my customers know?**

In most factoring, yes, because payment is redirected to the factor. Ask FundThrough how notification works for your customers before you fund the first invoice.

## Related
- [Dare Capital](https://businessloanbroker.ai/lenders/dare-capital/)
- [Capitally](https://businessloanbroker.ai/lenders/capitally/)
- [Invoice factoring](https://businessloanbroker.ai/business-loans/invoice-factoring/)
- [Invoice financing](https://businessloanbroker.ai/business-loans/invoice-financing/)

## Apply
Apply for the business: https://apply.businessloanbroker.ai/signup?utm_source=direct&utm_medium=organic&utm_content=md-lender-fundthrough
MCP server for AI agents: https://mcp.businessloanbroker.ai/mcp (docs: https://businessloanbroker.ai/agents/mcp/)