Fundbox Review

ByMichael GrawJan. 20, 2021

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In a Nutshell

Fundbox offers a revolving line of credit up to $150K for new businesses. You only need $50K in annual revenue and 3 months of invoicing history to qualify for a loan. The application process is entirely online and only takes a few minutes, and you can get money as soon as the next business day.


  • Get money in as little as 1 business day
  • Fully online application process
  • Low annual revenue requirement


  • Users can’t borrow more than the value of unpaid invoices
  • Requires a personal guarantee

Fundbox at a Glance

Direct lender or marketplaceDirect lender
Loan typesLine of credit
Loan amount$1K-$150K
Repayment terms12 or 24 weeks
Suitable forGrowing small businesses

Fundbox Fundbox View Rates


Fundbox offers a revolving line of credit from $1K-$150K for growing small businesses. The credit is designed to provide cash flow while you’re waiting for invoices to be paid, and you can withdraw up to 100% of the value of your pending invoices at any time.

 Fundbox offers repayment terms of 12 or 24 weeks and there’s no prepayment penalty if you pay back your loan early.

Why Fundbox Is Good For Your Business

Fundbox differs from other lenders in that it works with many young businesses. To qualify for a loan, you only need to have $50,000 in annual revenue and a business history going back just 3 months. In addition, Fundbox only requires a minimum credit score of 500.

Because Fundbox lends to businesses with less solid financial backgrounds, Fundbox’s interest rates can be high, especially for businesses that are just passing the minimum requirements. Interest rates start at 4.66% for 12-week loans or 8.99% for 24-week loans, but they can be upwards of 20% for struggling businesses.

In addition, Fundbox requires a blanket lien on your business assets and a personal guarantee when you take out a loan.

Loan Features

Fundbox offers a line of credit ranging from $1K-$150K. You can borrow up to the amount you have outstanding in pending invoices at any time. Funds are available in your bank account as soon as the next business day.

With Fundbox, you only pay interest on the amount you actually borrow, not your total credit line. In addition, there’s no prepayment penalty, so you can limit your interest payments by paying back your loan early.

  • Line of credit ranging from $1K-$150K
  • Borrow up to 100% of pending invoices
  • No prepayment penalty
  • 12- or 24-week terms
  • Get funds by the next business day

Application Process

Fundbox’s application process is entirely online. To start the application process, enter information about yourself and your business such as your credit score, your annual revenue, and how much you expect to borrow. Next, connect Fundbox to your bank account or accounting software to give the company a look inside your books. 

The company’s software is compatible with most major banks and most software, including Quickbooks and FreshBooks. 

Fundbox can make a funding decision within a few minutes and never runs a hard credit check. You can request funds as soon as you’re approved and have them transferred to your bank account as soon as the next day.

How Much Can You Borrow? 

Fundbox can pre-approve your business for funding from $1K-$150K in credit. However, the amount you can borrow at any time is linked to how much money you have outstanding in invoices that haven’t yet been paid. You cannot borrow more money with Fundbox than you have in unpaid invoices.

  • Get approved for $1K-$150K in credit
  • Borrow up to 100% of your invoice value

Repayment Terms

Fundbox offers 12- or 24-week loans. Interest rates for 12-week loans start at 4.66%, while they start at 8.99% for 24-week loans. There is no prepayment penalty if you repay your loan early.

Privacy and Security

Although you integrate Fundbox with your banking and accounting software during the application process, the company never stores your login credentials. In addition, your application is encrypted with SSL.

Help & Support

Fundbox offers customer support by phone and email from 8:00am to 8:00pm ET, Monday to Friday. The company’s website also has a detailed FAQs page to guide you through the application process.

Phone: 1-(855) 572-7707


Physical Address

6900 Dallas Parkway,

STE 700, Plano, TX 75024

Fundbox Fundbox View Rates


Fundbox offers lines of credit from $1K-$150K for growing small businesses to make cash flow easier. The company stands out for its relatively lenient requirements for which businesses can apply. Fundbox has a fully online application, next-day funding and doesn’t charge prepayment penalties if you pay off your loan early.

Fundbox customer testimonials

ExcellentReviews 2,713
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  • author
    Molly McManus
    a day ago
    Channa was great!

    Channa was great! She went above and beyond to help me! It’s really nice when someone enjoys what they do and are friendly especially with over the phone services! I’m very appreciative of the information she gave me! Thank you!


  • author
    Miguel H Auto Group
    2 days ago
    great service

    great service


  • author
    Cabinet Refinishing LLC
    3 days ago
    Fundbox's revolving line of credit…

    Fundbox's revolving line of credit helps cash flow purposes in my business. Extremely handy for net 30 account payables. Would highly recommend Fundbox!


  • author
    David R. Beckman D.D.S.Inc
    3 days ago
    so far so good

    so far so good


  • author
    Jenna Barton
    4 days ago
    I lost my $20K deposit to fundbox

    I lost my $20K deposit to fundbox, very bad website. I recommend Auxcords. Com, this program Auxcords. Com is paying me 100% and I want to share with everyone.