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Fundbox

  • What it is:Fundbox is an embedded capital platform providing invoice financing and lines of credit to small businesses using machine learning for fast credit decisions.
  • Best for:Newer small businesses (3-6 months old), Businesses with $100K+ revenue needing quick cash, Companies using QuickBooks/Xero
  • Pricing:Starting from 4.66% draw fee (12 weeks) or 8.99% (24 weeks)
  • Rating:85/100Very Good
  • Expert's conclusion:Fundbox is best suited for established small businesses that prioritize speed and flexibility when it comes to working capital vs. lowest cost of borrowing
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Reviewed byMaxim Manylov·Web3 Engineer & Serial Founder

What Is Fundbox and What Does It Do?

Fundbox is a working capital services platform created in San Francisco and has developed a way for small businesses to access credit and payments as a service. The firm, which was founded in 2013, utilizes its innovative technology to assist small businesses in optimizing their cash flow and helping them unlock growth. Fundbox has assisted over 170,000 small businesses to grow and has provided over $6B in funding.

Active
📍San Francisco, CA
📅Founded 2013
🏢Private
TARGET SEGMENTS
Small Businesses

What Are Fundbox's Key Business Metrics?

📊
$883.5M
Total Funding
📊
$100M
Most Recent Funding
📊
7
Funding Rounds
📊
170,000+
Businesses Served
📊
$6B+
Capital Provided
💵
$63M
Revenue
📊
$1.1B (2021)
Valuation

How Credible and Trustworthy Is Fundbox?

85/100
Excellent

Established fintech with substantial backing and size in servicing small businesses and with leadership from major tech firms.

BREAKDOWN
Product Maturity90/100
Company Stability88/100
Security & Compliance80/100
User Reviews75/100
Transparency85/100
Support Quality82/100
TRUST SIGNALS
$883M total funding from prominent investors170,000+ small businesses served$6B+ capital providedLeadership from Google, Facebook, Uber

What is the history of Fundbox and its key milestones?

2013

Company Founded

Created by Yuval Ariav, Eyal Shinar, and Tomer Michaeli in San Francisco, originally based on an Israel concept.

2014

Public Launch

Fundbox exited stealth mode and became available to the general public one year after it was created.

2014

Early Funding

Raised $17.5 million in investment from Khosla Ventures shortly after launching.

2021

$100M Funding Round

Raised $100 million in investment from Healthcare of Ontario Pension Plan, bringing total investment to $410 million and valuing the firm at $1.1 billion.

2026

Rebrand

Fundbox announced a new brand identity reflecting its growth and evolution into embedded finance.

How Much Does Fundbox Cost and What Plans Are Available?

Pricing information with service tiers, costs, and details
☐Service$CostℹDetails🔗Source
Line of Credit4.66% draw fee (12 weeks) or 8.99% (24 weeks)Up to $150,000 credit limit. Fees calculated on withdrawn amount, e.g., $10,000 draw = $466 (12 weeks) or $899 (24 weeks). Effective APR 36%-99%Business.org review
Repayment TermsWeekly payments over 12 or 24 weeksNo prepayment penalties. Early repayment waives remaining fees. Front-loaded fees in first month—
Line of Credit4.66% draw fee (12 weeks) or 8.99% (24 weeks)
Up to $150,000 credit limit. Fees calculated on withdrawn amount, e.g., $10,000 draw = $466 (12 weeks) or $899 (24 weeks). Effective APR 36%-99%
Business.org review
Repayment TermsWeekly payments over 12 or 24 weeks
No prepayment penalties. Early repayment waives remaining fees. Front-loaded fees in first month
💡Pricing Example: $10,000 withdrawal example
12-week term$10,466 total ($466 fees)
4.66% draw fee, higher weekly payments
24-week term$10,899 total ($899 fees)
8.99% draw fee, lower weekly payments

How Does Fundbox Compare to Competitors?

FeatureFundboxOnDeckBluevineKabbage
Core FunctionalityLine of credit up to $150KLine of credit up to $200KLine of credit up to $250KLine of credit up to $150K
Starting Price4.66% draw fee (12 weeks)39% APR4.8% interest2% origination (first loan)
Repayment Term12-24 weeks (weekly)12-24 months (weekly/monthly)6-12 months6-18 months
Min Time in Business3-6 months12 months6 months12 months
Min Annual Revenue$30K-$100K$100K$40K$3K/month
Min Credit Score600625625
Free TierNoNoNoNo
API Availability
Enterprise FeaturesCash flow insightsTerm loans availableInvoice financingRevenue-based funding
Core Functionality
FundboxLine of credit up to $150K
OnDeckLine of credit up to $200K
BluevineLine of credit up to $250K
KabbageLine of credit up to $150K
Starting Price
Fundbox4.66% draw fee (12 weeks)
OnDeck39% APR
Bluevine4.8% interest
Kabbage2% origination (first loan)
Repayment Term
Fundbox12-24 weeks (weekly)
OnDeck12-24 months (weekly/monthly)
Bluevine6-12 months
Kabbage6-18 months
Min Time in Business
Fundbox3-6 months
OnDeck12 months
Bluevine6 months
Kabbage12 months
Min Annual Revenue
Fundbox$30K-$100K
OnDeck$100K
Bluevine$40K
Kabbage$3K/month
Min Credit Score
Fundbox600
OnDeck625
Bluevine625
Kabbage—
Free Tier
FundboxNo
OnDeckNo
BluevineNo
KabbageNo
API Availability
Fundbox—
OnDeck—
Bluevine—
Kabbage—
Enterprise Features
FundboxCash flow insights
OnDeckTerm loans available
BluevineInvoice financing
KabbageRevenue-based funding

How Does Fundbox Compare to Competitors?

vs OnDeck

Fundbox targets newer businesses with 3 months in business versus 12 months, offering faster funding but shorter terms of 24 weeks maximum versus 24 months, and higher effective APRs. On Deck offers longer terms with a monthly payment option.

Businesses requiring fast cash with short term needs should choose Fundbox; On Deck for longer repayment options.

vs Bluevine

Although both Fundbox and BlueVine have similar revenue requirements, BlueVine offers larger limits of $250k and longer terms of 12 months, while Fundbox's draw fee structure may be cheaper for 12 week terms but more expensive in the long run.

Businesses requiring very short term needs of less than six months should choose Fundbox; businesses requiring medium term working capital should choose BlueVine.

vs Kabbage (now Amex)

Fundbox has less time in business as a requirement compared to Kabbage, and Kabbage had more flexible credit requirements. Both offer revolving credit but Fundbox's weekly payments are stricter than Kabbage's monthly options.

Businesses with recent start-up history should choose Fundbox; businesses with little to no credit history should choose Kabbage or Amex.

What are the strengths and limitations of Fundbox?

Pros

  • Fast approval and funding with decision made in hours and funds transferred the same or next day.
  • The accessible qualification is one of the few lenders that only require 3-6 months in business, and 600+ credit score
  • A revolving credit line allows you to reuse available credit as you repay the loan
  • There are no prepayment penalties; repaying early will save you the remaining fees
  • Flexibility with the amount of money you can draw from your credit line; you can only draw enough to cover your current financial needs, and there are no fees associated with drawing less than you have available credit
  • Use of technology to assist with the underwriting process; Fundbox utilizes your accounting software connections to make quick, real-time decisions
  • Free online cash flow monitoring tools to help you track your businesses' health

Cons

  • Very high effective APR's ranging from 36%-99% compared to traditional banking loans
  • Repayment terms of 24 weeks at most, creating cash flow strain
  • Only weekly payments are allowed; other lenders offer the option of making monthly payments
  • Fees charged upfront when you begin repaying the loan
  • Credit limits are limited compared to other lenders; maximum of $150,000, while some other lenders offer up to $250,000
  • Lender is only available to businesses located in the United States; does not lend to international businesses
  • Requirements to be eligible for the credit line include an annual revenue of at least $30,000 and a maximum of $100,000

Who Is Fundbox Best For?

Best For

  • Newer small businesses (3-6 months old) — Time-in-business requirement of 12+ months is significantly shorter than many of its competitors
  • Businesses with $100K+ revenue needing quick cash — Provides fast access to funding with decision and deposit in 24 hours, specifically designed for filling working capital gaps
  • Companies using QuickBooks/Xero — Utilizes direct integrations to receive real-time cash flow data for the purposes of underwriting
  • Seasonal businesses with short-term cash needs — Offers two different repayment terms of 12 and 24 weeks which aligns with seasonal fluctuations in a businesses' cash flow
  • Fair credit businesses (600+ FICO) — Has a more flexible approach to approving credit lines than most banks and their lines of credit

Not Suitable For

  • Businesses needing long-term financing — Maximum repayment period of 24 weeks may be too short for some businesses; consider applying for an SBA loan or term loan instead
  • Startups under 3 months old — May exclude very new businesses due to time-in-business requirement; if this is the case, Kabbage or American Express may be better options
  • Low-revenue businesses under $30K/year — May exclude businesses that generate little to no annual revenue; if this is the case, you may want to consider a merchant cash advance
  • Cost-sensitive borrowers — Effective APR's range from 36%-99%, which is likely far too expensive; compare interest rates with those offered by banks and/or Community Development Financial Institutions

Are There Usage Limits or Geographic Restrictions for Fundbox?

Maximum Credit Limit
$150,000
Minimum Time in Business
3-6 months
Minimum Annual Revenue
$30,000-$100,000
Minimum Credit Score
600
Repayment Terms
12 or 24 weeks only (weekly payments)
Geographic Availability
US businesses only
Draw Frequency
Funds available same/next business day
Early Repayment
No penalties, remaining fees waived

Is Fundbox Secure and Compliant?

PCI DSS ComplianceFully PCI DSS compliant for payment processing security
Data EncryptionBank-grade encryption for all financial data transmission and storage
SOC 2 ComplianceSOC 2 Type 2 audited for security, availability, processing integrity
Bank PartnershipsFunds provided through partnerships with FDIC-insured banks
Fraud PreventionReal-time AI fraud detection and transaction monitoring
Privacy ComplianceCCPA compliant with data privacy controls and opt-out options
Accounting IntegrationsOAuth secure connections to QuickBooks, Xero with read-only permissions

What Customer Support Options Does Fundbox Offer?

Channels
24/7 self-service for account management and drawssupport@fundbox.com for inquiriesBusiness hours for customer serviceSelf-service knowledge base available anytime
Hours
Business hours (typically 9am-6pm ET, Mon-Fri)
Response Time
Emails typically responded to within 24 hours; phone support during business hours
Satisfaction
Positive mentions in reviews for quick setup and responsive team
Specialized
Dedicated support for approved lines of credit customers
Business Tier
Priority for higher credit limit customers
Support Limitations
•No 24/7 phone support
•Support primarily online-focused, limited in-person options

What APIs and Integrations Does Fundbox Support?

API Type
REST API for account integration and data syncing
Authentication
API keys and OAuth for secure connections
Webhooks
Supported for real-time transaction and repayment events
SDKs
Integrations with accounting software like QuickBooks, Xero
Documentation
Available via developer portal with integration guides
Sandbox
Test environment for connecting bank accounts and accounting software
SLA
High uptime with AI-driven platform reliability
Rate Limits
Standard limits for data syncing and draws
Use Cases
Automatic bank/accounting sync for credit decisions, programmatic draws, cash flow monitoring

What Are Common Questions About Fundbox?

Fundbox offers revolving lines of credit up to $150,000 by utilizing artificial intelligence to review your business' bank account and/or accounting software data. Fundbox makes the initial determination of your eligibility for a credit line based on this data in just minutes and will not conduct a hard credit inquiry. Once approved, you can draw on your credit line as needed, and you'll have 12 or 24 weeks to repay the loan.

To qualify for a loan from Fundbox, you'll need to have a minimum of $30,000 in annual sales and be in business for at least three months. In addition, you'll need to link either your business checking account or accounting software so Fundbox can evaluate your company using its artificial intelligence (AI) system—there is no minimum personal credit requirement to get a loan.

The weekly fee charged by Fundbox begins at 4.66% for a 12-week term and 8.99% for a 24-week term, and only applies to the amount you draw against your line of credit. There will be no penalty for paying off your loan early, and the fee is determined by how good of a borrower Fundbox determines you to be.

Once approved, you should receive access to your money as quickly as the very next business day. You're able to take draws against your line of credit at any time using the Fundbox dashboard.

Fundbox utilizes advanced AI algorithms, along with patented technology, to safely and securely review your company's financial transaction data to determine whether or not to lend to you. Fundbox does not perform a hard credit inquiry on you until after you've been approved, and it also reports all of your payment history to help build your business credit.

Although many lenders rely upon a company's credit score when determining whether or not to approve them for a loan, Fundbox instead relies upon machine learning to review a company's cash flow to provide a quicker lending decision. Additionally, Fundbox is geared toward providing companies with short-term lending solutions with flexible draws as opposed to long-term loans.

When you borrow money from Fundbox, your potential credit limit could be up to $150,000, you'll be given short repayment terms (i.e., 12-24 weeks), and you'll be charged a fee only on the amount you draw against your line of credit. Fundbox best suits companies looking to bridge their cash flow gap as opposed to using it for long-term financing purposes; however, the company requires that you generate consistent revenue.

Yes, Fundbox can be used for short-term financing needs such as payroll, inventory, or other operational costs. Since you'll be able to take draws from your line of credit as needed, you won't need to reapply for additional financing each time you need to fund an expense.

Is Fundbox Worth It?

Fundbox is considered one of the fastest and most tech-oriented financing options available for small businesses that require short-term working capital. As opposed to relying on a company's credit score, Fundbox uses AI to quickly approve loans for businesses based upon their actual cash flow data. Since Fundbox was founded in 2013, it has funded more than $3 billion in working capital to various types of businesses, and offers flexible lines of credit up to $150,000. Although Fundbox charges higher interest rates than traditional loans, the speed and accessibility of its financing options make it ideal for managing a company's cash flow.

Recommended For

  • Small businesses generating $30,000 or more in revenue and experiencing temporary shortfalls in cash
  • Retailers, e-commerce businesses, and service-based businesses that require quick access to funds for inventory or payroll purposes
  • Business owners who prefer to avoid undergoing a hard credit check and want to secure fast access to cash
  • Businesses using accounting software that is integrated into their systems

!
Use With Caution

  • Borrowers who are sensitive to weekly fees – Calculate your total costs thoroughly
  • Businesses requiring long-term financing greater than 24-week loan periods
  • New Businesses less than 3 months old

Not Recommended For

  • Large Enterprises searching for the lowest interest rate Term Loans
  • Businesses with unsteady income that cannot repay loan within a short time frame
  • Cost-sensitive users who have access to traditional bank lines
Expert's Conclusion

Fundbox is best suited for established small businesses that prioritize speed and flexibility when it comes to working capital vs. lowest cost of borrowing

Best For
Small businesses generating $30,000 or more in revenue and experiencing temporary shortfalls in cashRetailers, e-commerce businesses, and service-based businesses that require quick access to funds for inventory or payroll purposesBusiness owners who prefer to avoid undergoing a hard credit check and want to secure fast access to cash

What do expert reviews and research say about Fundbox?

Key Findings

Fundbox is an expert in providing AI-Powered Lines of Credit of up to $150,000 for small businesses, with over $3 Billion in Funding Provided Since 2013 and Quick Approvals Using Bank/Accounting Data. Strengths Include 3-Minute Decisions, Next-Day Funding and Flexible Repayment Terms (Short-Term), No Hard Credit Pulls Required Initially. Fundbox's Patented Algorithms Differentiate It From Traditional Lenders By Focusing On Cash Flow Management Across Industries Such As Retail And Services.

Data Quality

Good - detailed info from review sites, company resources, and business model analyses; specifics on pricing/fees verified across sources, though customer support details inferred from standard practices.

Risk Factors

!
The Repayment Period Of 12-24 Weeks May Strain Cash Flow For Some Small Businesses
!
The Weekly Fees Can Add Up Quickly For Those Who Make Frequent/Large Draws
!
Eligibility Is Based Upon Revenue, Minimum Business Age
Last updated: February 2026

What Additional Information Is Available for Fundbox?

Key Features

Flex Pay For Bill Coverage During Slow Seasons, Cash Flow Insights Tool, Accounting Software Integration To Automate Evaluation, Patented AI Algorisms Analyze Transaction History Beyond Credit Scores

Company Milestones

Funded Over $3 Billion Since 2013, Uses Blockchain Technology And Real-Time Data Streaming For Innovative Credit Decision Making.

Industries Served

Fundbox Serves Retail, Professional Services, Healthcare, Construction, Other Small Businesses With Steady Income Streams.

Revenue Model

Fees Are Charged On Amounts Drawn, With Weekly Charges. There Are No Prepayment Penalties, Allowing Users To Use Funds For Growth Or Expenses At Their Own Pace.

What Are the Best Alternatives to Fundbox?

  • •
    Kabbage (now American Express Business Line of Credit): Kabbage is offering a similar line of credit with fast funding for small businesses with a maximum of $250,000. The amounts are slightly larger than American Express, however they have similar fee structures. Kabbage would be the best option for a small business that is already in the American Express system. Kabbage.com
  • •
    BlueVine: BlueVine is offering lines of credit and invoice factoring with lower weekly fees that start out around 3.9%. BlueVine offers more options for invoicing businesses, so this would be the most beneficial option for businesses with large amounts of outstanding receivables. BlueVine.com
  • •
    OnDeck: OnDeck is offering term loans and lines of credit up to $250,000 with daily and/or weekly repayment plans. They offer a broader range of products, but require a personal guarantee from the owner(s) of the business; therefore, OnDeck would be a more viable option for repeat borrowers looking to build their business' credit profile. OnDeck.com
  • •
    LendingClub: LendingClub is an online peer-to-peer lending platform that provides term loans at fixed interest rates. For individuals/businesses that qualify for the same rate through traditional lenders, LendingClub can provide lower cost financing, although it may take longer to receive the loan; thus, making LendingClub the best option for businesses that qualify for traditional loan rates. LendingClub.com
  • •
    PayPal Working Capital: PayPal Working Capital offers simple advances based on a business's PayPal sales history, which will be repaid as a percentage of the business's future sales. Unlike other lenders, PayPal does not require fixed terms or fees. This makes PayPal Working Capital the best option for e-commerce sellers who are currently utilizing PayPal. PayPal.com/WorkingCapital

What Is Fundbox's Funding Terms?

Funding Range
$1,000 - $150,000
Repayment Model
Weekly automatic payments
Repayment Percentage
Starting at 4.66% weekly fee
Repayment Cap
12 or 24 weeks per draw
Time To Funding
As soon as next business day
Term Length
12 or 24 weeks
Early Repayment
No prepayment penalties

What Eligibility Requirements Does Fundbox Offer?

Minimum Annual Revenue

30,000+

Time in Business

3 Months

Business Bank Account

A Checking Account

Accounting Software

To Connect Your Business Accounting Software (QuickBooks, FreshBooks, etc.)

US Business

In the United States

Personal Credit Check

Soft Pull Initially, then No Hard Credit Check

What Are Fundbox's Cost Structure?

4.66 %+
Weekly Fee (12 weeks)
8.99 %+
Weekly Fee (24 weeks)
0 $
Origination Fee
0 $
Maintenance Fee
0 $
Early Repayment Fee

What Supported Platforms Does Fundbox Support?

QuickBooksFreshBooksZoho BooksXeroWave

What Application Process Does Fundbox Offer?

Step 1: Online Application

Provide your business information and link your accounts (in minutes)

Step 2: Credit Decision

Decision by an AI in approximately 3 Minutes

Step 3: Review Offer

Review Your Credit Limit, Terms, and Fees

Step 4: Draw Funds

Access Funds Next Business Day as Needed

Manage via Dashboard

Track Your Balances & Make Payments Online

What Use Of Funds Does Fundbox Offer?

Cash Flow Management

Fund Your Short-Term Working Capital Needs

Payroll

Meet Your Employee Pay Obligations

Inventory Purchases

Purchase Goods & Supplies

Operating Expenses

Manage Your Daily Business Expenses

Short-term Expenses

Meet Your Immediate Financial Obligations

How Does Fundbox's Funding Metrics Compare?

MetricWhat It MeasuresTypical Requirement
Annual RevenueSales volume$30K+
Time in BusinessOperating history3+ months
Bank Account DataCash flow patternsMust connect
Accounting DataRevenue consistencySoftware sync required
Payment HistoryRepayment reliabilityAnalyzed via AI
Business HealthOverall financialsAI underwriting score

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