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FundThrough: what it offers, who it suits and what else exists.

A factual summary of FundThrough from its own public page, with a worked illustration in Canadian dollars.

✓ Checking what you qualify for does not affect your credit score.

What FundThrough publishes

From the public page at www.fundthrough.com/, as of October 12, 2026. Terms change, so confirm on the provider's own site.

Describes itself as an invoice factoring and financing platform for businesses in the U.S. and Canada.
Describes getting 100% of invoice value up front, less one flat fee.
Describes cash within 24 hours after the first funding.
Focuses on invoices to large enterprise or government customers and lets businesses choose which invoices to factor.
Does not publish fee rates or formal eligibility criteria on its main page.

What that design means in practice

Invoice factoring funds specific receivables, so it suits B2B businesses with large customers. A merchant cash advance or revenue-based financing reads total deposits, which suits businesses whose revenue comes from many customers.

A worked illustration

A staffing agency with $150,000 in invoices to a national retailer might factor them. A restaurant with daily card sales has no invoices to factor and would look at deposit-based options.

Every figure on this page is illustrative arithmetic in Canadian dollars. It is not an offer, a quote or a promise of approval.

Who it tends to suit

You invoice large enterprise or government customers on terms.
You want to choose individual invoices to fund.
Your cash gap is tied to slow-paying receivables.

When another route may fit better

Your revenue comes from card sales or walk-in customers.
You do not invoice large customers.
You want funding based on total deposits.

FundThrough is a separate organization with no connection to Merchant Fund Express. Names belong to their owners; facts summarized October 12, 2026.

Questions worth asking

What fee applies to my invoices and how is it calculated?
Which of my customers' invoices qualify?
What happens if a customer pays late?
Is there a minimum or ongoing commitment?

Comparing it with other offers

Factoring turns slow receivables into cash without adding a payment schedule, because the customer's payment settles the advance. It works best when invoices are large and customers are creditworthy. Businesses whose revenue is many small card sales do not have invoices to factor and usually look at deposit-based structures instead. Some B2B companies use both: factoring for a few large invoices and other funding for general working capital.

Before factoring, check whether your customer contracts restrict assigning invoices, and how customers will be told where to pay. Both details matter for large enterprise and government accounts, where payment instructions are often fixed in procurement systems.

Common questions

Do I need invoices to use invoice factoring?

Yes. Factoring advances money against specific unpaid invoices, so businesses paid at the counter or by card usually look at other structures.

Where did this information come from?

From FundThrough's own public page, checked October 12, 2026. Confirm current terms directly with FundThrough.

Keep reading

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Educational information only. It is not legal, tax or accounting advice.

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