Provider profile · 2026 edition
FundThrough review 2026: scores, fees and alternatives.
A North American invoice funding platform offering single-invoice financing and factoring with no obligation to advance invoices.
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A North American invoice funding platform offering single-invoice financing and factoring with no obligation to advance invoices.
FundThrough scores 2.6 out of 5 (53 out of 100) in the Buckingham Intelligence Invoice Finance and Factoring Index 2026 and ranks 2 of 10. It is strongest for US and Canadian suppliers wanting published fees and no obligation to fund every invoice, and its best criterion is published pricing at 4 out of 5. Not published or not stated on the pages read: product range, advance and speed, published eligibility, contract flexibility and regulatory standing.
Scores from the Invoice Finance and Factoring Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For small B2B suppliers | 57 | 1 of 10 |
| For mid-sized firms | 52 | 4 of 10 |
| For payment and fintech firms | 51 | 2 of 10 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
US and Canadian suppliers wanting published fees and no obligation to fund every invoice.
What FundThrough publishes on its own pages, read on 26 October 2026.
A North American invoice funding platform offering single-invoice financing and factoring with no obligation to advance invoices. It publishes a fee range per 30 days on a pricing page, an advance of up to 100% and next-day payment. It does not publish set-up time, contract length, a licence number or a security certification.
| Fact | What the provider publishes |
|---|---|
| Products | "Express Invoice Financing and Velocity Invoice Factoring"; "You can fund invoices of any size". |
| 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. |
| Advance and speed | Advance rate "up to 100%", less the fee; "Once approved, you get next-day payment to your linked bank account." |
| Eligibility | "Invoices must be less than 90 days old"; issued to "creditworthy business or government customers"; no construction or real estate work. |
| Flexibility | Opening and keeping an account "doesn't cost a thing"; you are "never obligated to advance invoices". |
| 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". |
| Date read | 26 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 26 October 2026 from: fundthrough.com/how-funding-works, fundthrough.com/pricing, fundthrough.com/security.
Each score with the evidence behind it.
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
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Defacto | 2.8 | 1 of 10 | French firms wanting confidential single-invoice funding with no contract |
| Earlypay | 2.6 | 3 of 10 | Australian firms, including start-ups, wanting a published rate range |
| Ultimate Finance | 2.5 | 4 of 10 | UK B2B suppliers wanting a high advance and a fast set-up |
| Riviera Finance | 2.0 | 5 of 10 | US and Canadian small firms wanting the factor to carry the credit risk |
| altLINE | 1.9 | 6 of 10 | US businesses wanting factoring from a bank with itemised fees |
| KredX | 1.9 | 7 of 10 | Indian suppliers to large companies wanting competing bids from financiers |
| Skipton Business Finance | 1.8 | 8 of 10 | UK firms with sales up to £30m wanting confidential discounting |
| eCapital | 1.7 | 9 of 10 | Larger US, Canadian and UK firms needing big facilities and fast funding |
| Fundbox | 1.2 | 10 of 10 | Small businesses in four countries wanting invoice funding next to other credit |
Side by side on every criterion, fact and award.
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