Comparison · 2026 edition
FundThrough vs Ultimate Finance: invoice finance compared 2026.
FundThrough and Ultimate Finance side by side in the Invoice Finance and Factoring Index 2026: scores, evidence, published facts and awards.
WhatsApp and Telegram +44 7563 115980
[email protected]
FundThrough and Ultimate Finance 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 2.5 (49), ranking 2 and 4 of 10. FundThrough scores higher for small B2B suppliers and payment and fintech firms; Ultimate Finance scores higher for mid-sized firms.
Overall and segment scores out of 100, and the score out of 5.
| Score | FundThrough | Ultimate Finance |
|---|---|---|
| Score out of 5 | 2.6 | 2.5 |
| Score out of 100 | 53 | 49 |
| Overall rank | 2 of 10 | 4 of 10 |
| For small B2B suppliers (out of 100) | 57, rank 1 | 51, rank 4 |
| For mid-sized firms (out of 100) | 52, rank 4 | 54, rank 2 |
| For payment and fintech firms (out of 100) | 51, rank 2 | 43, rank 4 |
| Type | Invoice funding platform | Invoice finance provider |
Each score with the evidence behind it.
| Criterion | FundThrough | Ultimate Finance |
|---|---|---|
| Product range | 2/5 Single-invoice financing and factoring published; confidential option and bad debt protection not published. | 4/5 Factoring, invoice discounting, a confidential option and debtor protection published; single-invoice finance not published. |
| Published pricing | 4/5 Fee range per 30 days published on a pricing page; larger facilities quoted. | 0/5 Fee types named but no rates published. |
| Advance and speed | 3/5 Advance rate and next-day payment published; set-up time not published. | 5/5 95% advance, one-week set-up and 24 hour funding published. |
| Published eligibility | 3/5 Invoice age, customer type and excluded sectors published; countries not stated. | 5/5 Maximum facility, UK eligibility and B2B credit sales rule published. |
| Contract flexibility | 2/5 No obligation to fund invoices and no account fees; contract term and personal guarantee not published. | 2/5 Rolling contract with no fixed term; minimum volume and personal guarantee not addressed. |
| Regulatory standing | 2/5 California lending licence named without number; no named security certification. | 0/5 Not published on the pages read. |
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 | FundThrough | Ultimate Finance |
|---|---|---|
| Products | "Express Invoice Financing and Velocity Invoice Factoring"; "You can fund invoices of any size". | Factoring and invoice discounting, with confidentiality, collection services and "Debtor Protection" options; "Option to include Cashflow Loan up to £500k (up to 5 year term)". |
| Pricing | 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. | "an ongoing service fee" for ledger management and "a discount fee" for cash advanced; no rates published. |
| Advance and speed | Advance rate "up to 100%", less the fee; "Once approved, you get next-day payment to your linked bank account." | "Up to 95% of your unpaid invoice value"; set-up "within one week"; funding "within 24 hours of receiving invoices". |
| Eligibility | "Invoices must be less than 90 days old"; issued to "creditworthy business or government customers"; no construction or real estate work. | "Any UK-registered businesses selling to another on credit", including limited companies, sole traders and partnerships; "Up to £10m funding". |
| Flexibility | Opening and keeping an account "doesn't cost a thing"; you are "never obligated to advance invoices". | Not listed in this index |
| Regulatory standing | "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". | Site operated by Ultimate Finance Group Limited, company number 04350565; no FCA statement or security certification on the pages read. |
| Contract terms | Not listed in this index | "Unlimited rolling contract that grows with your business"; "assignment of invoices supported by debenture" (a legal charge over the business's assets). |
| Date read | 26 October 2026 | 26 October 2026 |
Not published or not stated by FundThrough: product range, advance and speed, published eligibility, contract flexibility and regulatory standing.
Not published or not stated by Ultimate Finance: pricing, product range and regulatory standing.
Facts read on 26 October 2026 from: fundthrough.com/how-funding-works, fundthrough.com/pricing, fundthrough.com/security; and ultimatefinance.co.uk/client/invoice-finance, ultimatefinance.co.uk/static/…, ultimatefinance.co.uk/resources/faqs, ultimatefinance.co.uk/legals.
Awards follow from the published scores and cannot be bought.
From each provider's strongest criteria and published terms.
US and Canadian suppliers wanting published fees and no obligation to fund every invoice.
UK B2B suppliers wanting a high advance and a fast set-up.
Tell us what you need and where you operate.