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Head-to-head · Invoice Financing Software

CommBank Stream Working Capital vs FundThrough

  • Updated Sep 2026
  • Both researched from official sources
  • 2 checks side by side
Higher score CommBank Stream Working Capital #1 in Invoice Financing Software 9.0/10 Pricing on request Visit CommBank
FundThrough #4 in Invoice Financing Software 7.4/10 Free plan Free plan Visit FundThrough

CommBank Stream Working Capital leads on 0 checks, FundThrough on 2, and 0 are even. Who comes out ahead on the 2 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scoreCommBank Stream Working Capital · 9.0/10
  • Free planonly FundThrough

CommBank Stream Working Capital scores higher on our rubric for invoice financing software: 9.0 against 7.4 out of 10; our editors rank them #1 and #4.

FundThrough offers free plan; CommBank Stream Working Capital doesn't. FundThrough leads on maximum advance rate: 100 % versus 80 %. On financing model, CommBank Stream Working Capital gives you Receivables_line where FundThrough offers Factoring.

CommBank Stream Working Capital is the better fit for australian businesses using Xero, MYOB, or QuickBooks. FundThrough is the better fit for SMEs seeking flexible factoring and accounting links.

  • CommBank Stream Working Capital fits best

    Australian businesses using Xero, MYOB, or QuickBooks

  • FundThrough fits best

    SMEs seeking flexible factoring and accounting links

Advertiser disclosure: iTechGuides is reader-supported. We may earn a commission when you click some links. How we rank.

Side by side

Feature CommBank Stream Working Capital 9.0/10 Visit ↗ FundThrough 7.4/10 Visit ↗
At a glance
Editor score 9.0 7.4
Ranking #1 in Invoice Financing Software #4 in Invoice Financing Software
Best for Australian businesses using Xero, MYOB, or QuickBooks SMEs seeking flexible factoring and accounting links
Pricing model Paid Free plan + paid
Starting price Not published Not published
Free plan — ✓ (best)
Free trial — —
Deployment Cloud Cloud
Platforms Web Web
Support Phone Email, Live chat, Phone, Docs
Integrations 3 integrations 6 integrations
Built for Small business, Mid-market Small business, Mid-market
Specs
Maximum advance rate 80 % 100 % (best)
Funding speed Not published 1_2_days
Financing model Receivables_line Factoring
Recourse terms Not published Not published
Fee structure Percentage Percentage
Minimum invoice amount Not published Not published
Accounting integrations Xero, MYOB, QuickBooks QuickBooks Online; QuickBooks Desktop; Xero; Sage; NetSuite; OpenInvoice
Our review
Pros
  • Borrow up to 80% of eligible unpaid invoice value without property security
  • Daily interest applies only to the amount used
  • Balances adjust and reconcile as customers pay invoices
  • Choose individual eligible invoices to fund
  • Connects with six listed accounting systems
  • Offers optional accounts-receivable collections support
Cons
  • Available only to eligible businesses issuing Australian-dollar B2B invoices
  • Rates and fees are individually set out in the loan offer
  • Facility management is through NetBank or CommBiz, not standalone software
  • Funding is limited to eligible invoices
  • Advances are reduced by financing fees
  • Rates depend on company and customer eligibility
Our verdict

CommBank Stream Working Capital is a bank lending facility for eligible Australian businesses that invoice other businesses in Australian dollars after completing work. Rather than operating as standalone invoice-financing software, it…

Read the review →

FundThrough is an online invoice-factoring and receivables-finance service for businesses, particularly B2B companies and government contractors in the United States and Canada. Businesses can connect accounting systems or upload invoices,…

Read the review →
  1. CommBank Stream Working CapitalInvoice Financing Software 9.0Pricing on request
  2. FundThroughInvoice Financing Software 7.4Free plan

Strengths and trade-offs

  • CommBank Stream Working Capital — where it wins

    • Borrow up to 80% of eligible unpaid invoice value without property security
    • Daily interest applies only to the amount used
    • Balances adjust and reconcile as customers pay invoices

    Where it doesn't

    • Available only to eligible businesses issuing Australian-dollar B2B invoices
    • Rates and fees are individually set out in the loan offer
    • Facility management is through NetBank or CommBiz, not standalone software

  • FundThrough — where it wins

    • Choose individual eligible invoices to fund
    • Connects with six listed accounting systems
    • Offers optional accounts-receivable collections support

    Where it doesn't

    • Funding is limited to eligible invoices
    • Advances are reduced by financing fees
    • Rates depend on company and customer eligibility
  • CommBank Stream Working Capital9.0/10 · Pricing on request

    A bank lending facility that turns eligible unpaid invoices into working capital.

    Visit CommBankFull verdict →
  • FundThrough7.4/10 · Free plan

    Select eligible invoices for advances, with accounting links and collections support.

    Visit FundThroughFull verdict →

More comparisons

All invoice financing software comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026

Last updated · How we research and update