Best for software integration·Updated July 18, 2026
FundThrough Review 2026
Best for QuickBooks and Xero users who want flat-fee factoring without contracts
4.4out of 5
FundThrough Inc, Toronto· Legal entity
2014, fintech factor· Founded
Up to 100 percent minus fee· Advance rate
2.75 to 8.25 percent per invoice per 30 days· Factor fee
Next business day ongoing, 1 to 3 days first funding· Funding speed
$15M theoretical, most under $10M· Maximum invoice
QuickBooks and Xero integration with no contract commitment· Specialty
Written byEliot Reynolds
Business Formation Researcher
Our Verdict
4.4
Based on our independent review
Ease of Use
0.0/5
Pricing & Value
0.0/5
Features & Add-ons
0.0/5
Customer Support
0.0/5
Same business day after first funding
0.0/5
Pricing Transparency
0.0/5
Privacy & Data
0.0/5
Best For: B2B businesses already on QuickBooks or Xero who want a clean flat fee on single invoices with no monthly commitment.
Top Advantages
- No monthly minimum, factor one invoice or many
- Flat fee per invoice, 2.75 to 8.25% per 30 days
- Direct QuickBooks, Xero, and OpenInvoice integration
2.75 to 8.25% flat per invoice
In This Article
FundThrough Overview
FundThrough is a Toronto-based fintech factor founded in 2014 that has become the default pick for QuickBooks and Xero users who want factoring without leaving their accounting workflow. The differentiator is integration depth. Connect QuickBooks or Xero, and FundThrough ingests your open invoices, runs customer credit, and lets you select which invoices to factor from a familiar accounting UI. No separate onboarding forms, no AR aging exports, no emailed spreadsheets.
Pricing is flat-fee per invoice rather than the usual per-30-day factor model. Fees run 2.75 to 8.25 percent per invoice per 30 days. Advance rate is up to 100 percent minus the fee, which means if a $10,000 invoice carries a 4 percent fee, the business receives $9,600 upfront. Funding is next business day after first funding clears. Maximum single invoice is theoretically $15M, most actual clients sit under $10M.
FundThrough is the pick if you are already on QuickBooks or Xero and want the lowest-friction way to factor a specific invoice without opening a full facility. It is not the pick if you want the cheapest rate, flat-fee pricing lands well above the low-floor factors like Universal Funding or altLINE on strong receivables. For transparency-focused SMB use cases, the simpler fee structure often wins anyway.
FundThrough Pricing Plans
Flat-fee factoring
Most Popular2.75 to 8.25%per invoice per 30 days
Flat fee quoted per invoice, no reserve holdback
- Up to 100% advance minus fee
- Next business day funding
- No monthly minimum
- No contract lock-in
- QuickBooks and Xero integration
Spot invoice
3 to 8%per invoice
Same product, just reflects single-invoice use pattern
- One-off invoice factoring
- Single customer approved at a time
- Next business day funding
- Zero ongoing commitment
- Useful for irregular AR
QuickBooks workflow
Integratedflat fee
No additional fee for the integration, same flat pricing applies
- OneClick factoring from QuickBooks
- Xero integration also supported
- Customer credit pre-qualified
- Invoice data auto-synced
- No separate portal needed
FundThrough Pros and Cons
Pros
- No monthly minimum, factor one invoice or many
- Flat fee per invoice, 2.75 to 8.25% per 30 days
- Direct QuickBooks, Xero, and OpenInvoice integration
- No long-term contract or early-termination fee
- Funds up to 100% of invoice minus fee
Cons
- Fee can creep past 8% on lower-quality receivables
- Recourse only, customer non-pay is still on you
- Approval weighted toward customer credit quality, tough for new B2C-heavy sellers
Toronto fintech, founded 2014
FundThrough was founded in Toronto in 2014 and has grown by focusing on the accounting-software integration problem. The bet was that small businesses do not want to leave QuickBooks or Xero to factor an invoice. That bet has paid off, and FundThrough is now one of the most-recommended factors in US small-business content, appearing in NerdWallet, LendingTree, Investopedia, and most general-audience best-of lists.
The Canadian base does not affect US clients. FundThrough is licensed to factor US receivables and most of the customer base is US-based SMBs. Funding is in USD for US clients.
The QuickBooks and Xero integration
The integration is the product. Connect your QuickBooks or Xero account, and FundThrough imports your open invoices, customer list, and payment history automatically. No AR aging report to export. No customer list to upload. No separate credit checks that your finance team has to run. From inside QuickBooks, a small button appears next to eligible invoices letting you request factoring with one click.
This matters more than most founders realize at the evaluation stage. Standard factoring requires a weekly or daily operational rhythm of exporting invoices, uploading them to the factor's portal, waiting for verification, then logging back in to check funding status. FundThrough collapses that to a single click from the accounting platform where the invoice already lives. For a business factoring 10 to 50 invoices per month, this is hours of saved ops work per month.
Flat-fee pricing structure
FundThrough prices per invoice rather than per-30-day interest. A fee is quoted upfront, say 4 percent on a $10,000 invoice, and the business receives $9,600 in next-business-day funding. If the customer pays in 25 days, the business pays no more. If the customer pays in 45 days, the business still pays the original 4 percent, no late interest.
The fee range is 2.75 to 8.25 percent per invoice per 30-day billing period. On a 60-day customer term, the all-in fee would be roughly double, around 5.5 to 16 percent. This structure is expensive on long-dated receivables compared to per-30-day factors, but simple to budget against and no surprise fees accrue.
Advance rate and maximum invoice
FundThrough advances up to 100 percent of the invoice minus the fee, which is unusual in factoring. Most factors hold back 10 to 20 percent of the invoice as a reserve until the customer pays, then release the reserve minus the fee. FundThrough's structure is simpler, the business receives invoice face value minus fee upfront and there is no reserve release to wait for.
Maximum single invoice is theoretically $15M. Most actual clients factor invoices under $10M. For SMBs, a $100,000 invoice is more common, and FundThrough handles that size smoothly.
No monthly minimum, no contract lock-in
Unlike most factors in the roster, FundThrough does not require a monthly minimum volume commitment or a 12-month contract. You can factor one invoice once a quarter and never hear from them again. You can factor 20 invoices a month. The model is a la carte.
This is the other major appeal for smaller businesses. A 12-month contract with a $20,000 monthly minimum requires the business to commit to factoring $240,000 per year or pay termination fees. FundThrough has zero commitment, which is rare in factoring and is the direct reason so many small businesses pick it despite the higher rate.
Funding speed
First funding takes 1 to 3 business days after the QuickBooks or Xero integration connects and customer credit verification completes. Ongoing funding is next business day on verified invoices, sometimes same-day for invoices submitted early in the day.
This is competitive with altLINE's same-day first funding and faster than Universal Funding's 5 to 10 business day onboarding. The integration advantage helps first funding move quickly because there is less AR data to collect.
Industries
FundThrough is industry-agnostic, which is less common in factoring. Tech, creative services, staffing, trucking, manufacturing, oil and gas, and wholesale are all supported. The integration-first product design makes industry less relevant because the data comes from the accounting platform, which normalizes the underwriting inputs across industries.
Construction is handled but without the specialty underwriting 1st Commercial Credit offers. Trucking is handled but without the fuel card ecosystem RTS provides. For those specialties, the specialty factors are sharper. For general commercial AR from any industry, FundThrough is the simplest path.
Customer sentiment
FundThrough has one of the best public reputations in factoring. Trustpilot rating runs 4.4 to 4.6 stars across thousands of reviews. BBB rating is A+. NerdWallet, LendingTree, Investopedia, and Reddit r/smallbusiness threads consistently list FundThrough as a top pick for SMBs.
Complaints cluster on rate (too expensive for larger volumes where a traditional factor is cheaper) and occasional invoice verification delays on first-time customers. The rate concern is valid, FundThrough's flat fee structure does not compete on pure price with Universal Funding or altLINE on strong receivables. The verification issue is a structural part of any factor's first-customer onboarding and resolves once customer credit is established.
Who should pick FundThrough
Pick FundThrough if you are on QuickBooks or Xero and want factoring to feel like a button inside your accounting platform. Pick FundThrough if you want zero contract commitment and a la carte per-invoice pricing. Pick FundThrough if you factor irregularly or only a handful of invoices per year and a traditional facility does not fit the use case.
Skip FundThrough if you factor $500,000-plus per month where a traditional per-30-day facility at altLINE or Universal Funding will price 30 to 60 percent sharper. Skip FundThrough if you are trucking and want fuel card integration (RTS is the pick). Skip FundThrough if you need non-recourse as the default (Riviera Finance). Skip FundThrough for construction specialty underwriting (1st Commercial Credit).
FundThrough vs. Top Competitors
| Service | Learn More | ||||
|---|---|---|---|---|---|
FundThrough Best for software integration 2.75 to 8.25% flat per invoice 4.4 | 2.75 to 8.25% flat per invoice | N/A | 4.4 | B2B businesses already on QuickBooks or Xero who want a clean flat fee on single invoices with no monthly commitment. | Current Review |
 altLINE Factor rate from 0.5% 3.8 | Factor rate from 0.5% | $16,825 | 3.8 | Lowest fees with bank-backed stability | |
 Riviera Finance 2 to 5% per 30 days 4.2 | 2 to 5% per 30 days | 2 to 5% per 30 days | 4.2 | Non-recourse credit protection with in-person service | |
 eCapital 1 to 5% per 30 days 4.3 | 1 to 5% per 30 days | 1 to 5% per 30 days | 4.3 | Same-day funding on large invoices up to $30M per invoice | |
 RTS Financial 1.5 to 3.5% per 30 days 4 | 1.5 to 3.5% per 30 days | 1.5 to 3.5% per 30 days | 4 | Trucking with up to $0.40 per gallon fuel card discount |
Final Verdict
4.4 / 5
FundThrough is the QuickBooks and Xero pick with flat-fee per-invoice pricing and next-day funding. 2.75 to 8.25 percent per invoice, up to 100 percent advance minus fee, no monthly minimum, no contract lock-in. Higher rate than low-floor factors but simpler to use.
Check Rates at FundThrough
By Eliot Reynolds, Business Formation Researcher
Frequently Asked Questions
2.75 to 8.25 percent per invoice per 30 days. On a $10,000 invoice at 4 percent, the business receives $9,600 in next-business-day funding. If the customer pays in 25 days or 45 days, the business still pays the original 4 percent, no late interest. The flat-fee structure is simple to budget but typically 30 to 60 percent more expensive than low-floor factors like Universal Funding on strong receivables.
No, but the integration is the main reason to pick FundThrough over competitors. Manual invoice submission is supported. If you are not on QuickBooks or Xero, a low-floor factor like altLINE or Universal Funding will usually be cheaper overall. FundThrough's value proposition is the one-click integration workflow.
No. FundThrough does not require a monthly minimum volume commitment or a long-term contract. You can factor one invoice once a quarter and never hear from the company again. This a la carte model is rare in factoring and is the primary appeal for small businesses.
First funding takes 1 to 3 business days after the QuickBooks or Xero integration connects. Ongoing funding is next business day on verified invoices, sometimes same-day for submissions early in the day. This is competitive with the faster factors in the roster and notably faster than Universal Funding's 5 to 10 business day onboarding.
Recourse. If a customer does not pay, the advance is charged back. Non-recourse is not offered as a standard option. For non-recourse protection, Riviera Finance is the specialist. FundThrough's flat-fee model assumes customer credit approval on the front end rather than bad debt insurance on the back end.
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About the Author
Business Formation Researcher
Eliot leads StartupOwl's state data research. He maintains the site's fifty state records of LLC filing fees, annual costs, processing times, and small business grant programs, checking each figure against the state office that publishes it and logging the date it was verified. Based in New Jersey, he has spent his working life in and around small businesses, and he writes for the founder who wants the real number rather than the advertised one. Every figure under his byline traces to a named source, and when a state proves a number wrong, the correction is published, not buried.
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