FundThrough vs United Capital Funding: Which Should You Use?
A field-by-field comparison of FundThrough and United Capital Funding — published terms, positioning, who each suits, and what to check before signing. Our commercial position on both is stated up front.
Our position on both
We have no commercial relationship with FundThrough. We have no commercial relationship with United Capital Funding. See the full rate card.
FundThrough and United Capital Funding both provide invoice factoring, and on the surface the products look similar. The differences that matter are in positioning, contract posture and what each company is willing to publish. This page puts them side by side on the same fields.
Published terms, side by side
| Field | FundThrough | United Capital Funding |
|---|---|---|
| Advertised rate | 1.9%–2.9% per 30 days | Not published |
| Advance rate | Up to 100% | Not published |
| Recourse | Not published | Recourse and non-recourse |
FundThrough terms from www.fundthrough.com/pricing · United Capital Funding terms from www.ucfunding.com/invoice-factoring — read 2026-07-29. We re-check monthly.
Only terms at least one company publishes are shown. Neither publishes: typical small-operator rate, contract, monthly minimum. We never fill a gap with an estimate. Method →
What each is actually optimising for
FundThrough
Selective, software-integrated factoring — you choose which invoices to fund, with an unusually high advance.
- 1.9–2.9% per 30 days published
- Advance up to 100%
- QuickBooks/OpenInvoice integration
- Single-invoice friendly
- No hidden fees claim
United Capital Funding
All-industry factor with specific depth in staffing and government contracting — two of the hardest verticals.
- All-industry
- Staffing and government contractor experience
- Payroll funding
Choose FundThrough if
- Businesses on QuickBooks wanting to fund selected invoices
- Companies that want the full invoice value rather than a reserve holdback
- Occasional users who do not want a whole-ledger commitment
Choose United Capital Funding if
- Staffing agencies with weekly payroll against slow client terms
- Government contractors needing Assignment of Claims handling
- Businesses in verticals many factors decline
Where each one is the wrong choice
Skip FundThrough if
- You want the lowest per-invoice rate — selectivity is priced in
- You are a trucking operation wanting fuel and load board bundled
Skip United Capital Funding if
- You are a simple trucking operation
- You want published pricing
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What to check with each before signing
FundThrough
A 100% advance means the fee comes off the front rather than being held in reserve — the cost is the same product, structured differently. Compare total cost, not advance percentage.
United Capital Funding
Government contract factoring requires a correctly executed Assignment of Claims. Ask how many they have completed and how long it typically takes.
How to actually decide between them
With rate data incomplete on both sides — which is the normal condition of this market — the decision comes down to four things you can establish yourself in one phone call to each.
- Will they take you? Authority age, business size or industry, and volume floor. This eliminates one of them more often than price does.
- What does a slow month cost? The monthly minimum, not the rate, is what hurts at low volume. Price your worst realistic month under each.
- How do you get out? Term, notice window, termination fee, UCC release speed. Ask for all four in writing.
- What does the non-recourse actually cover? Request the covered-event definition, and one example of a claim each has declined.
Then put the two written offers in front of each other. Quoted terms in this market move when there is a credible alternative on the table, and they rarely move without one.
Our read on each
FundThrough: Best-in-class for selective, software-integrated funding. Published pricing makes it easy to benchmark.
United Capital Funding: Specialist competence in two difficult verticals. That is the reason to pick them.
Both judgements are about published positioning and structure, not about a rate verified for your specific business.
Full reviews
- FundThrough review — published terms, who it suits, what to check
- United Capital Funding review — published terms, who it suits, what to check
Compare against all 34 companies in the index →