FundThrough Invoice Factoring Review: Fast, No Credit Check (2026)
- Min. Amount
- $500
- Max. Amount
- $10,000,000
- APR
- 1.9%–2.9% per 30 days (invoices up to $999,999); custom pricing for $1M+
Our verdict
AI-powered invoice factoring for B2B businesses that need unlimited, fast funding with no credit score requirement — but customer notification is unavoidable.
FundThrough is an AI-powered invoice factoring platform that advances up to 100% of eligible invoice value — minus one flat fee — with no hidden charges and no funding contracts. It's built for B2B businesses across the US and Canada that need capital fast. The tradeoff: fees starting at 1.9% per 30 days can translate to high annualized costs, and customers are notified when payment is redirected to FundThrough.
Best for: B2B businesses with creditworthy customers and outstanding invoices who need fast, flexible working capital without adding debt to their balance sheet.
Pros
-
Up to 100% advance rate on invoice value
-
No credit check required to qualify
-
No contracts or minimum funding obligations after first invoice
Cons
-
Fees of 1.9%–2.9% per 30 days — can be costly for longer net terms
-
Customers are notified their payment is redirected to FundThrough
-
First funding requires a minimum $100,000 invoice to one customer
Is FundThrough legit?
Yes. FundThrough was founded in 2014 and is headquartered in Toronto, Ontario. It has funded more than $1 billion in invoices and acquired BlueVine’s invoice factoring business in January 2022. FundThrough was ranked on the 2025 Deloitte Technology Fast 500 list of fastest-growing companies in North America and named the #1 factoring company for 2026 by Forbes Advisor. It is a verified QuickBooks partner.
FundThrough is not accredited by the Better Business Bureau (BBB) but holds an A+ rating with the BBB. It uses bank-grade 256-bit encryption to protect data and does not store third-party login credentials.
What makes FundThrough shine
- No credit check required. Approval is based on your customers’ creditworthiness, not yours. This makes FundThrough accessible to newer businesses and those with poor or no credit history who would be turned away by traditional lenders.
- Up to 100% advance rates. Unlike many factoring companies that advance 80% to 95% and hold back a reserve, FundThrough advances the full invoice value minus its flat fee up front — no waiting for a reserve release.
- Unlimited funding. There is no cap on how much you can factor. Eligible funding scales with the size of your outstanding invoices, making it practical for businesses taking on large contracts.
- No contracts or minimums after first funding. After your initial $100,000 first-invoice minimum, there are no obligations to factor a set number of invoices or maintain a minimum monthly volume. You fund only when you need to.
- Transparent, flat-fee pricing. FundThrough charges one flat fee based on net terms — no hidden fees, no compounding interest, no rate creep. Fees run 1.9% to 2.9% per 30 days for invoices up to $999,999 and are shown in full before you commit to a draw. Businesses with more than $1 million in outstanding invoices can request custom pricing.
- Accounting software integrations. FundThrough integrates directly with QuickBooks Online, OpenInvoice and Xero to automatically pull eligible invoices, reducing manual work and speeding up the funding process.
- No impact on credit score. Creating an account and factoring invoices does not trigger a credit check and will not affect your personal or business credit score. FundThrough states that it only reports bad-faith borrowing or fraud.
- Next-day funding after approval. Once FundThrough verifies your invoices and your customer confirms receipt, funds arrive in your linked bank account the next business day. Same-day funding is available after your first funding.
- Cross-border factoring. FundThrough funds invoices for businesses operating in both the US and Canada.
Where FundThrough falls short
- Customers are notified. FundThrough sends a Notice of Assignment to your customers that their payments will be redirected through FundThrough. This is standard in factoring but can affect customer relationships in some industries.
- Fees can be expensive on longer net terms. The rate of 1.9% to 2.9% per 30 days is competitive within the factoring industry, but invoices with 60- or 90-day net terms carry proportionally higher total fees. Compared with a traditional bank line of credit, factoring costs more.
- $100,000 first-invoice minimum. FundThrough requires a minimum of $100,000 in outstanding invoices to a single customer to get started. There are no minimums after that, but this threshold rules out very small businesses or those without large individual customers.
- Construction and real estate are excluded. FundThrough’s eligibility requirements explicitly exclude businesses in construction or real estate, as well as those with existing liens on receivables they are unwilling to remove.
- Recourse vs. non-recourse terms not disclosed. FundThrough’s website does not specify whether it operates as a recourse or non-recourse factoring company. Prospective clients should confirm this with their account manager before signing.
FundThrough factoring details
| Minimum credit score | Not required; approval based on customer creditworthiness |
| Advance rate | Up to 100% of invoice value |
| Factoring fee | 1.9%–2.9% per 30 days (invoices up to $999,999); custom pricing for $1M+ |
| Funding amount | Unlimited — scales with eligible invoice volume |
| First funding minimum | $100,000 to one customer |
| Eligible invoices | Less than 90 days old; B2B or government invoices for completed work only |
| Funding speed | Next business day after approval; same-day available after first funding |
| Fees | Not listed on its website |
| Credit check | No credit check for approval or funding |
| Availability | US and Canada |
FundThrough contact info
| Phone | 1-800-766-0460 |
| Customer service hours | Weekdays: 9 a.m. to 5 p.m. ET |
| Not listed on its website (contact form available at fundthrough.com/contact-us) | |
| Virtual assistant | Available 24/7 on its website |
| Knowledge base | help.fundthrough.com |
How to qualify for FundThrough
FundThrough’s eligibility is based on your invoices and customers, not your credit. To be considered, your business must meet the following requirements listed on its website:
- Have at least one outstanding invoice to a creditworthy customer
- Invoice other businesses (B2B) or government agencies
- Invoices must be for completed work with an expected due date
- Not operating in construction or real estate
- No explicit liens on receivables you are unwilling to remove
You will also need to provide business formation documents, a government-issued photo ID, a voided business check and authorization to review your business tax history.
Minimum time in business and minimum annual revenue are not listed on its website.
How to apply
- Create a free account. Visit fundthrough.com and sign up. Provide basic business information and upload required documents. The online application takes fewer than five minutes, per FundThrough’s website.
- Connect your accounting software. Link your QuickBooks Online, OpenInvoice or Xero account to pull eligible invoices automatically. If your software isn’t supported, you can upload invoices manually.
- Select invoices to fund. Choose which outstanding invoices you want to factor. You are never obligated to fund a specific number.
- Get verified and funded. FundThrough contacts your customer to redirect payment and verify the invoice. Once complete, funds arrive in your linked bank account the next business day.
- Customer pays FundThrough. Your customer pays FundThrough according to the original net terms. Once paid, your obligation is complete. You can return to the platform at any time to fund additional invoices.
Compare other business loans options
Compare other products
We currently don't have that product, but here are others to consider:
How we picked theseWhat is the Finder Score?
The Finder Score crunches 12+ types of business loans across 35+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.
To provide a Score, we compare like-for-like loans. So if you're comparing the best business loans for startups loans, you can see how each business loan stacks up against other business loans with the same borrower type, rate type and repayment type.
FundThrough reviews and complaints
FundThrough holds an A+ rating with the Better Business Bureau despite not being BBB-accredited, and it has no customer reviews on that platform. Trustpilot tells a different story, just seven reviews averaging 2.3 out of 5 stars, which is too small a sample to draw firm conclusions but still worth noting.
The handful of critical reviews on Trustpilot cite unexpected account denials and frustration with the customer notification process. Prospective clients would do well to also check Google Reviews and the QuickBooks App Store, where FundThrough has a larger and more positive review base.
What do people on Reddit say?
Users highlight fast setup and the absence of a credit requirement as major advantages over traditional lenders. The most common cautions raised relate to the cost of longer net terms and the customer-notification requirement, with some threads recommending businesses consider whether that visibility fits their industry before committing.
Frequently asked questions
Your reviews
Anna Finder
Editor
Hi there, looking for more information? Ask us a question.
You are about to post a question on finder.com:
- Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
- finder.com is a financial comparison and information service, not a bank or product provider
- We cannot provide you with personal advice or recommendations
- Your answer might already be waiting – check previous questions below to see if yours has already been asked
Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our finder.com Terms of Use and Privacy and Cookies Policy.
This site is protected by reCAPTCHA and the Privacy Policy and Terms of Service apply.
