FundThrough Inc.

FundThrough Inc.

Steven Uster launched FundThrough in Toronto in 2014 after hearing consistent complaints from small-business owners: banks demand too much paperwork, traditional factoring is rigid, and slow payment terms block growth. The firm's stated mission is to provide instant, non-dilutive capital against unpaid invoices so businesses can fund expansion and operations. FundThrough operates as an AI-enabled invoice factoring platform, not a direct lender. It advances up to 100% of an invoice's value, charging a flat fee per transaction, and integrates with accounting software to import eligible invoices. The firm targets businesses serving large enterprise or government customers, where net terms can stretch payables. Portfolio companies are not disclosed publicly, but testimonials feature Vice President Ron Cedillo of Lima Charlie and Founder Lauralee Sheehan of Digital 55. Geographically, the firm serves the US and Canada. The firm reports it has paid billions of dollars in connected invoices and saved over 5 million days of waiting for clients. It has been recognized as Best Overall Factoring Company by what it calls trusted publications. FundThrough is a member of unnamed fine associations and has received workplace recognition as one of Canada's Top 50 Best Workplaces for Start-ups. No additional offices, team size, or adjacent vehicles (philanthropic foundations, operating companies) are disclosed on its website. FundThrough's structural differentiator is its technology-first approach to invoice factoring — using AI to automate funding decisions — combined with spot factoring that lets clients choose which invoices to factor. The firm also positions itself as a complement to banking relationships, stepping in when approvals are slow or denied, and offers an embedding option for platforms to integrate its funding capability.