FundThrough
FundThrough Review 2026
AI-powered spot factoring — factor one invoice at a time, no volume commitment.
Who FundThrough is best for
B2B businesses with intermittent cash-flow gaps who don't want a long-term factoring contract.
At a glance
- Advance rate
- Up to 100%
- Factor fee
- 2.5–8%
- Contract length
- No contract
- Recourse default
- Varies
Some invoices funded at full face value minus fee
Per invoice; varies by customer creditworthiness and payment speed
Spot / selective factoring — factor when you need to
Depends on invoice and customer
Pros
- +Spot factoring model — no volume minimums, no long-term commitment, factor when needed
- +Quick onboarding via QuickBooks or Xero integration; invoices imported automatically
- +AI-powered underwriting evaluates individual invoices rather than requiring full portfolio commitment
- +Useful for businesses with occasional large invoices rather than steady factoring volume
Cons
- −Factor fee can be higher than traditional factoring for slow-paying customers (fee accumulates)
- −Full 100% advance model sometimes comes with higher fee to compensate the factor
- −Less suited for high-volume, continuous factoring needs where traditional contracts get better rates
FundThrough requirements
- B2B businesses with commercial invoices from creditworthy customers
- QuickBooks or Xero integration speeds approval significantly
- US-based businesses; invoice minimums vary
FundThrough alternatives
Top alternatives worth comparing from Best Invoice Factoring Companies 2026.
Triumph Business Capital
Triumph Business Capital
Trucking companies and freight carriers that need same-day fuel advances alongside invoice factoring.
altLINE — a division of The Southern Bank Company
altLINE (by The Southern Bank Company)
Established B2B businesses seeking factoring through a regulated bank entity rather than a fintech.
Riviera Finance
Riviera Finance
B2B businesses that want non-recourse protection and are willing to pay a premium for it.
Ready to apply?
Application takes minutes. Pre-qualification (where available) uses a soft credit pull with no impact to your credit score.
See if you qualify→Last verified at the issuer on 2026-08-05
The full lineup
See all picks in Best Invoice Factoring Companies 2026
Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.
Read the full guide →Bottom line
FundThrough scores 3.9 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: B2B businesses with intermittent cash-flow gaps who don't want a long-term factoring contract.
◆ How we scored it
The ClearValue Rating, broken down.
- Cost
- 35%
- Fit & approval odds
- 30%
- Speed & terms
- 20%
- Transparency
- 15%
Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →
Frequently asked
Questions about FundThrough
Who is FundThrough best for?+
FundThrough is geared toward B2B businesses with intermittent cash-flow gaps who don't want a long-term factoring contract. Its spot-factoring model lets you factor one invoice at a time with no volume commitment, which suits companies that have occasional large invoices rather than steady factoring volume.
How much does FundThrough advance on an invoice?+
FundThrough advertises advance rates up to 100%, meaning some invoices are funded at full face value minus the factor fee. The exact advance on any given invoice depends on the invoice and the customer's creditworthiness, so confirm specifics with FundThrough directly.
What does FundThrough charge in factor fees?+
FundThrough's factor fee runs 2.5–8% per invoice, varying by your customer's creditworthiness and how quickly they pay. Because the fee accumulates over time, slow-paying customers can make it cost more than a traditional factoring contract.
Is FundThrough a long-term contract?+
No — FundThrough uses a spot / selective factoring model with no contract and no volume minimums, so you can factor invoices only when you need to. This differs from traditional factoring arrangements that require ongoing volume commitments.
How do I apply for FundThrough through ClearValue Lending?+
Applications are routed through the ClearValue Lending partner application portal. FundThrough offers quick onboarding via QuickBooks or Xero integration, which imports invoices automatically and can speed approval. ClearValue Lending is a small business funding platform, not the factoring company — terms and eligibility are set by FundThrough.
Related guides
Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.