FundThrough Review (2026)

Selective, software-integrated factoring — you choose which invoices to fund, with an unusually high advance. This review covers what FundThrough publishes, what it does not, who the product actually fits, and the specific questions worth asking before you sign anything.

Published terms at a glance

Terms above read from www.fundthrough.com/pricing on 2026-07-29. We re-check monthly.

FundThrough does not publish: recourse, contract, monthly minimum. Request these in writing before signing — see the five questions below.

What FundThrough actually offers

QuickBooks and OpenInvoice integration. Single-invoice friendly.

• 1.9–2.9% per 30 days published
• Advance up to 100%
• QuickBooks/OpenInvoice integration
• Single-invoice friendly
• No hidden fees claim

Features are worth less than terms. A fuel card that saves a few cents a gallon does not offset a contract you cannot exit, and a polished app does not compensate for a reserve held three weeks after your customer paid. Use the list above to understand the shape of the offer, then move to the contract questions below.

Best for

• 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

Skip if

• You want the lowest per-invoice rate — selectivity is priced in
• You are a trucking operation wanting fuel and load board bundled

The specific thing to watch with FundThrough

The five questions that decide your real cost

These apply to every factor, and the answers should be in writing. Vague answers to any of them are themselves an answer.

1. What is the discount rate, per what period, and what happens on day 31, 45 and 60? A rate quoted “per 30 days” behaves very differently from one that steps up in full periods. If your customers routinely pay at 45 days, the step matters more than the headline.
2. What is the advance rate, and how quickly is the reserve released after my customer pays? The reserve is your working capital sitting in someone else’s account. A factor holding it for a week after collection is financing itself with your money.
3. Is there a monthly minimum, and what does a slow month cost me? This is the single most common reason a low advertised rate turns expensive for a small operator. Price a bad month, not an average one.
4. What is the term, the notice window, and the early termination fee? Auto-renewal with a short notice window is legal, disclosed, and routinely missed. Diarise the date the day you sign.
5. If non-recourse: what is the covered-event definition, and can you give an example of a claim you declined? The second half of that question is the informative half. Most non-recourse agreements cover customer insolvency only — not disputes, not paperwork errors, and not a customer who simply refuses to pay.

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How to price FundThrough against a competing quote

Do not compare headline rates. Take your real monthly invoice volume, your customers’ actual average days-to-pay, and your real invoice count, then run both quotes through the same month including minimums and per-transfer fees. Two factors quoting the same rate can differ by several points of true cost once advance rate and fixed fees are included.

Model it in the calculator → · The full fee anatomy →

If you are already with FundThrough and want to leave

Check the termination clause before you talk to anyone else — term length, notice window and early termination fee. Then confirm how quickly they release the UCC-1 filing on your receivables, because until that is filed no new factor can take first position. Serve notice in writing inside the window, let the incoming factor handle the buyout, and update remit-to instructions with every customer. The full switching sequence →

Verdict

Best-in-class for selective, software-integrated funding. Published pricing makes it easy to benchmark. As with every company in this index, that is a judgement about published positioning and structure — not about a rate we have verified for your specific business. Get two written quotes before deciding, and put them in front of each other. Quoted terms in this market move when there is a credible alternative on the table.

Alternatives to FundThrough

Closest comparable options for small and mid-size businesses:

• United Capital Funding — All-industry factor with specific depth in staffing and government contracting — two of the hardest verticals.
• Factor Finders — A broker that matches you to a factor — which changes who ends up holding your contract.
• Universal Funding — Publishes a full comparison table against competitors including its own rates, advance and fees — unusually specific.
• Charter Capital — Long-established small-business factor without the bundled-services approach of trucking specialists.
• Gateway Commercial Finance — Small-business focused with explicit no-long-contract positioning and genuinely useful published guidance on what to check.

See all 34 companies in the index →

Compare FundThrough directly

• FundThrough vs AltLine
• FundThrough vs Factor Finders
• FundThrough vs United Capital Funding

Frequently asked about FundThrough