Comparison · 2026 edition
Earlypay vs FundThrough: invoice finance compared 2026.
Earlypay and FundThrough side by side in the Invoice Finance and Factoring Index 2026: scores, evidence, published facts and awards.
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Earlypay and FundThrough side by side in the Invoice Finance and Factoring Index 2026: scores, evidence, published facts and awards.
In the Invoice Finance and Factoring Index, FundThrough scores higher overall: 2.6 out of 5 (53 out of 100) against 2.6 (52), ranking 2 and 3 of 10. Earlypay scores higher for mid-sized firms; FundThrough scores higher for small B2B suppliers and payment and fintech firms.
Overall and segment scores out of 100, and the score out of 5.
| Score | Earlypay | FundThrough |
|---|---|---|
| Score out of 5 | 2.6 | 2.6 |
| Score out of 100 | 52 | 53 |
| Overall rank | 3 of 10 | 2 of 10 |
| For small B2B suppliers (out of 100) | 54, rank 2 | 57, rank 1 |
| For mid-sized firms (out of 100) | 55, rank 1 | 52, rank 4 |
| For payment and fintech firms (out of 100) | 46, rank 3 | 51, rank 2 |
| Type | Invoice finance provider | Invoice funding platform |
Each score with the evidence behind it.
| Criterion | Earlypay | FundThrough |
|---|---|---|
| Product range | 3/5 Factoring, discounting and debtor protection published; single-invoice and confidential options not published. | 2/5 Single-invoice financing and factoring published; confidential option and bad debt protection not published. |
| Published pricing | 3/5 Yearly interest rate range published; other fees not quantified. | 4/5 Fee range per 30 days published on a pricing page; larger facilities quoted. |
| Advance and speed | 4/5 Advance rate, approval time and funding time published, with conflicting advance figures. | 3/5 Advance rate and next-day payment published; set-up time not published. |
| Published eligibility | 5/5 Facility range, Australian eligibility and invoice age rule published. | 3/5 Invoice age, customer type and excluded sectors published; countries not stated. |
| Contract flexibility | 0/5 Not published on the pages read. | 2/5 No obligation to fund invoices and no account fees; contract term and personal guarantee not published. |
| Regulatory standing | 1/5 Industry association membership shown only; no licence or certification. | 2/5 California lending licence named without number; no named security certification. |
Each criterion is scored 0 to 5 against the best published offer in the Invoice Finance and Factoring Index. 0 means not offered or not published. How it is scored
What each provider publishes on its own pages, read on 26 October 2026.
| Fact | Earlypay | FundThrough |
|---|---|---|
| Products | Invoice Factoring and Invoice Discounting, with an optional Debtor Protection add-on; also Equipment, Trade and Payroll Finance. | "Express Invoice Financing and Velocity Invoice Factoring"; "You can fund invoices of any size". |
| Pricing | "interest rate charged on Invoice Financing balances ranges between 7.99% and 13.95% per annum"; drawdown or administration fees may apply, amounts not listed. | Up to $999,999 outstanding: "1.9%-2.9% per 30 days", based on company and customer eligibility; above $1,000,000 by custom quote; flat fee, not interest. |
| Advance and speed | "up to 85% of your outstanding invoice value" (FAQ: 80%, sometimes 90%); response "within 24 hours" with Xero or MYOB AccountRight; funds within 24 hours of approval. | Advance rate "up to 100%", less the fee; "Once approved, you get next-day payment to your linked bank account." |
| Eligibility | "Lines of credit of $100K - $10 million" (FAQ: "from $50k"); ABN or ACN and invoices to other Australian businesses; invoices not funded "more than 90 days past the issue date". | "Invoices must be less than 90 days old"; issued to "creditworthy business or government customers"; no construction or real estate work. |
| Security | "the primary security is the invoices themselves"; no real estate security required. | Not listed in this index |
| Regulatory standing | AFIA member logo in the footer; no licence or security certification stated. | "FundThrough USA Inc. loans are made or arranged pursuant to a California Finance Lenders Law license." Security page: partners hold unnamed certifications; "256-bit encryption". |
| Flexibility | Not listed in this index | Opening and keeping an account "doesn't cost a thing"; you are "never obligated to advance invoices". |
| Date read | 26 October 2026 | 26 October 2026 |
Not published or not stated by Earlypay: pricing, regulatory standing, product range and contract flexibility.
Not published or not stated by FundThrough: product range, advance and speed, published eligibility, contract flexibility and regulatory standing.
Facts read on 26 October 2026 from: earlypay.com.au/invoice-finance; and fundthrough.com/how-funding-works, fundthrough.com/pricing, fundthrough.com/security.
Awards follow from the published scores and cannot be bought.
From each provider's strongest criteria and published terms.
Australian firms, including start-ups, wanting a published rate range.
US and Canadian suppliers wanting published fees and no obligation to fund every invoice.
Tell us what you need and where you operate.