FundThrough Is Invoice Factoring. Olina Is a Cash-Flow Scalpel for Ecom Brands.

The short version: FundThrough and Olina address opposite sides of cash-flow timing. FundThrough is invoice factoring: it advances cash against invoices your customers owe you and charges a fee. Olina is a cash-flow platform for ecommerce and DTC brands: it pays eligible bills you owe and turns them into daily repayments. If slow customer receivables are the constraint and you need unrestricted cash, FundThrough is the right category. If the company wants predictable outgoing payments and more cash available for growth, Olina addresses that side directly.

First — which kind of "factoring" is this? Two opposite things get called factoring. Receivable factoring — what FundThrough does — finances the invoices your customers owe you, so it only works if you invoice business customers. Pure DTC brands do not issue invoices, so it does not apply to that revenue model; FundThrough specifically is built for large invoices (≈$100K+ to a single customer). The other side is the bills you owe — ad spend, 3PL, freight — which is the side Olina addresses. The right category depends on whether the timing issue sits in receivables or payables.

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• At a glance · Two opposite ends of the gap · The real overlap · Where FundThrough is the answer · Pricing · Where each wins · Who should choose · Use both · How Olina works · FAQ

TL;DR

These are not the same product. FundThrough is a financing source: you hand over an unpaid customer invoice, FundThrough advances up to about 100% within a day or two, and it collects from the customer later while keeping a flat fee (commonly reported around 1.9%–2.9% per 30 days). Olina works on eligible payables instead. Ad Flex Card and Ad Invoices cover advertising spend, while Budget Bills and Pure Drip cover repeated or sporadic operating invoices. The one place they meet is the underlying timing gap between cash in and cash out.

At a glance

Two opposite ends of the same gap

A common ecommerce cash-flow problem is a timing mismatch: money comes in on one schedule and goes out on another. FundThrough and Olina address different sides of that gap.

FundThrough pulls your incoming money forward. If you sell wholesale — to a retailer, a distributor, a big marketplace buyer — you might wait 30, 60, even 90 days to get paid. FundThrough buys that unpaid invoice from you, hands you up to ~100% of it now, and collects from your customer when the invoice comes due. You get cash today; you give up a slice of the invoice as the fee, and your customer is told to pay FundThrough instead of you. It's a clean, fast way to turn a receivable into cash — and it's genuinely useful when your customers are the slow part.

Olina reshapes eligible outgoing bills. It does not buy a customer receivable or redirect customer payment. Ad Flex Card gives card-billed ad spend a selectable daily-revenue paydown and Net-45 treatment at 0% interest on any remainder. Ad Invoices, Budget Bills, and Pure Drip turn other approved bill patterns into daily repayments. That can keep more cash available for profitable growth without involving customers.

The clean way to hold it: FundThrough advances money you're owed; Olina changes the payment shape of eligible bills you owe. One provides unrestricted cash for a fee; the other pays supported bills under product-specific daily repayment terms.

The real overlap — and Olina's wedge

Here's the question worth asking before you factor anything: why do you need the cash early? Very often, it's not that the business is short — it's that a big bill is about to land and your customers haven't paid yet. You're factoring your receivables to cover your payables.

If that is the situation, look at the bill itself. Ad Flex Card uses selectable daily-revenue paydown, and any remaining balance receives Net-45 treatment at 0% interest. It does not discount a customer invoice or send a Notice of Assignment. For a healthy brand factoring mainly to preserve cash around an ad-statement date, changing the payable's timing may reduce how much receivable financing it needs. Monthly Olina plan terms still apply.

The practical split is this: if your gap is "my customers pay me slowly and I need unrestricted cash," that is a receivables problem, and FundThrough solves it. If the brand wants eligible outgoing bills to become predictable daily repayments, Olina solves that side. The better choice follows the actual constraint.

Where FundThrough is the answer (not Olina)

To be fair about what Olina is not: Olina will never advance you a lump of cash against money you're owed. When that's the actual need, FundThrough is the right tool, and it does it well —

• You sell wholesale on long net terms (B2B, retail, distribution) and need the cash now instead of in 60–90 days.
• You're a newer or thin-credit business — FundThrough approves based on your customer's creditworthiness, so a big, reliable buyer can unlock funding you couldn't get on your own.
• You have large invoices — it's built around sizeable receivables (commonly ≈$100K+ outstanding to a single customer), not a stack of small DTC orders.
• You want fast, contract-light funding that syncs with QuickBooks or OpenInvoice and advances up to ~100% in a day or two.

If that's you, factoring is a legitimate, fast source of working capital. Olina does not compete with it on receivables; it addresses eligible outgoing bills instead.

Pricing

Olina — Ad Flex Card carries 0% interest. Other products use a flat fee, and monthly plans apply. Check current Olina pricing for applicable terms.

FundThrough — No subscription; you pay a flat factoring fee per invoice you fund, commonly reported around 1.9%–2.9% per 30 days the invoice is outstanding, with advances up to ~100% of invoice value and no long-term contract. The effective cost rises the longer your customer takes to pay, and there's typically a practical floor on invoice/customer size (≈$100K to a single customer). Exact rates are quoted per account.

Where each one wins

Where Olina wins

• Covers card ad spend, invoice ad spend, repeated operating categories, and one-off approved invoices instead of financing receivables
• 0% interest on Ad Flex Card; flat fees elsewhere; no fee is deducted from a customer receivable
• Your customers are never involved — no Notice of Assignment, no redirecting payments
• Works on top of the brand's bank and can reduce reliance on timing-driven factoring

Where FundThrough wins

• Turns unpaid customer invoices into cash now — a real capital injection Olina can't provide
• Approves on your customer's credit, so thin-file and fast-growing brands can qualify
• Up to ~100% advance, funded in a day or two, no long-term contract
• Clean fit for B2B/wholesale brands carrying large receivables on long terms

Where each falls short

• FundThrough, for everyday cash flow: it's a per-invoice fee that compounds with slow-paying customers, it notifies those customers, and it does nothing for the lumpy bills you pay out
• Olina: it does not provide unrestricted cash against customer receivables

Who should choose which

Choose FundThrough if you... sell wholesale and wait 30–90 days to get paid; need a real cash advance against invoices owed to you; have large invoices to creditworthy customers; are fine with your customer paying the factor directly.

Choose Olina if you... are an ecommerce or DTC brand that wants eligible outgoing bills turned into daily repayments; value more predictable cash flow and available growth cash; or want to reduce timing-driven factoring without involving customers.

You can use both

They are complementary. Factor the large receivables you cannot wait on with FundThrough; use Olina on eligible bills whose payment timing matters. More predictable outgoing payments can reduce the amount of timing-driven factoring a brand needs, while FundThrough remains the better answer when unrestricted cash against a receivable is required.

How Olina actually works

Olina is a cash-flow platform for growth-focused ecommerce and DTC brands. Its four products match the way a bill arrives: Ad Flex Card and Ad Invoices cover advertising spend, while Budget Bills and Pure Drip turn eligible operating invoices into daily repayments.

• Ad Flex Card — for card-billed ad spend. You select a daily-revenue paydown percentage. Any remaining balance receives Net-45 treatment at 0% interest, which can preserve usable cash and card capacity for profitable campaigns.
• Ad Invoices — for advertising-platform invoices. Olina pays an approved invoice when it lands, and you repay it in small daily installments across 45 days.
• Budget Bills — for repeated operating categories. Set a monthly budget for eligible 3PL, shipping, freight, customs, or repeated inventory bills; Olina pays bills as they arrive and combines them into one steady daily amount.
• Pure Drip — for one sporadic approved invoice. A PO, inventory, tariff, freight, packaging, fulfillment, or 3PL bill can be paid by Olina and repaid in equal daily amounts over Net 30 or Net 45. It is not unrestricted cash or six-month inventory financing.

Ad Flex Card is 0% interest; other Olina products use a flat fee, and monthly plans apply. If a 3PL charges about 3% to pay by card, compare that fee with your Olina terms: Olina may cut the payment cost materially—sometimes roughly in half—while also replacing the card-payment lump with predictable daily repayments.

Olina vs FundThrough FAQ

Is Olina invoice factoring like FundThrough? No. FundThrough advances unrestricted cash against customer invoices for a fee. Olina pays eligible bills under product-specific daily repayment terms and does not redirect customer receivables. Opposite ends of the cash-flow gap.

FundThrough advances up to 100% — does Olina advance cash too? Olina does not provide unrestricted cash against a receivable. If that is the need, FundThrough is the better fit. Olina pays approved bills and collects daily repayments under the selected product's terms.

If I'm factoring mainly to cover an ad bill, is there another approach? Potentially. Ad Flex Card uses selectable daily-revenue paydown and gives any remainder Net-45 treatment at 0% interest, without discounting a customer invoice. Compare full Olina plan terms with the cost and benefits of factoring.

Does Olina notify my customers like a factor does? No. Factoring sends your customer a Notice of Assignment so they pay the factor. Olina never involves your customers at all — it only changes the timing of the bills you pay.

Can I use both? Yes — factor large receivables with FundThrough when you need capital, and use Olina for eligible ad and operating bills. More predictable outflows may reduce the amount of timing-driven factoring the brand needs.

The takeaway

FundThrough is invoice factoring; Olina is a cash-flow platform for ecommerce and DTC brands. If customers pay slowly and the business needs unrestricted cash now, FundThrough is purpose-built for that job. If the priority is to turn eligible outgoing bills into predictable daily repayments while keeping more cash available for growth, that is Olina's job. A fair comparison starts with which side of the cash cycle is actually constrained.

Also read: Best factoring companies for ecommerce · Olina vs Settle · Best cash-flow tools for ecommerce

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