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Fundbox Review

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Reviews 3,179

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Michael Graw
Michael Graw
May. 03, 20214 min read

Fundbox summary

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.

Pros

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

Cons

  • Users can’t borrow more than the value of unpaid invoices
  • Requires a personal guarantee
Fundboxat a glance
3.4

Editorial score

Online experience

Has learning resources, access to rates, mobile app

5.0

Customer services and support

Limited ways of reaching lender

2.0

Variety of loan types

Niche lender

2.0

Loan amount range

Loan amount up to $200K

3.0

Eligibility

Loans available to most credit types, revenue levels, and businesses

5.0

Fundbox Fundbox View Rates

Overview

Fundbox offers a revolving line of credit from Loan Amount: $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 Loan Amount: $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 Loan Amount: $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 Loan Amount: $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 Loan Amount: $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

Email: support@fundbox.com

Physical Address

6900 Dallas Parkway,

STE 700, Plano, TX 75024

Fundbox Fundbox View Rates

Summary

Fundbox offers lines of credit from Loan Amount: $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.

Michael Graw
Written byMichael Graw

Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

Fundbox
Fundbox
ExcellentReviews 3,179
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Trustpilot reviews

See what some costumers are saying about Fundbox
Fundbox
ExcellentReviews 3,179
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Excellent
90%
Great
6%
Average
1%
Poor
1%
Bad
2%
  • author
    AFOAM
    9 hours ago
    Quick and easy funding for emergency…

    Quick and easy funding for emergency needs of the business.

    ...

  • author
    Reign beauty llc
    15 hours ago
    GREATTTTTTT!!!!

    GREATTTTTTT!!!!

    ...

  • author
    UPick Locksmith LLC
    18 hours ago
    I have no words to thank Funbox!!

    I have no words to thank Funbox!!! They really trusted me and my business when no other bank or financial institutions did! This is the best lender in life, and their repayment plan is so easy!! You don't even notice that you paid if off!!

    ...

  • author
    Prime Investment Solutions Inc
    2 days ago
    Quick and simple approval process.

    Quick and simple approval process.

    ...

  • author
    Wax On Wheels Mobile Detailing
    2 days ago
    Love this company!

    Love this company!

    ...

  • author
    METAL SUPERMARKETS
    2 days ago
    Funded quickly

    Funded quickly, great team, flexible product - exactly what I need.

    ...

  • author
    Chi Williams-Fountain, P.A.
    2 days ago
    Quick funding options!

    Quick funding options. Professional and courteous staff.

    ...

  • author
    Time transportation Inc
    3 days ago
    Great company!

    Great company!

    ...

  • author
    Aversano Dry Cleaning Corp.
    3 days ago
    Very quick service

    Very quick service. Streamlined process helps.

    ...

  • author
    Lidia
    4 days ago
    Love having business with you

    Love having business with you

    ...

  • author
    PBM TRANSFER LLC
    Jan 24, 2022
    Great and fast

    Great and fast

    ...

  • author
    BetterBatchPorkSkins Llc
    Jan 23, 2022
    very easy to apply

    very easy to apply, and reasonable pay back options..

    ...

  • author
    Remodel It Right, LLC
    Jan 23, 2022
    Easy and fast approval and funds…

    Easy and fast approval and funds available quickly for improved cashflow!

    ...

  • author
    Flatlands Transport
    Jan 22, 2022
    Great product

    Great product for funding new and established businesses.

    ...

  • author
    KAYE TRUCKING LLC
    Jan 21, 2022
    This is our second time receiving…

    This is our second time receiving funding from Fundbox. The process is quick and hassle free. Funding was in our account within 2 business days as promised.

    ...

  • author
    Omar Aridi
    Jan 19, 2022
    Top Notch Service

    Fundbox has been incredibly accommodating, helping my small business get a much need business line of credit. Russell on the onboarding team is amazing! He was very patient, answered all my questions promptly, and ensured the process would be smooth (and it definitely was). i highly recommend inquiring with Fundbox if your small business is in need of a business line of credit. Thanks again Russell!!

    ...

  • author
    Jay Jackson Trucking and Hauli
    Jan 19, 2022
    Easy to use and the personnel know what…

    Easy to use and the personnel know what they are doing. They also care about what you need

    ...

  • author
    Valiant Health Solutions L.L.C
    Jan 19, 2022
    Easy accessible lending

    Easy accessible lending. Great service at a time in need.

    ...

  • author
    Rains Plastics,Inc.
    Jan 18, 2022
    Easy to use

    Easy to use - excellent for my Buisness

    ...

  • author
    David C.
    Jan 18, 2022
    Fast and Easy

    Fast, streamlined initiation process. Great follow up from customer service. Reasonable starting amount of credit.

    ...

  • author
    AFFORDABLE MECHANICS OF AMERIC
    Jan 18, 2022
    Absolutely Terrific

    We have many options in business lending. Fundbox has made it extremely easy to do business. The rates are fair, the process is terrific. Fundbox is one of our favorite business lenders out there.

    ...

  • author
    Rodolfo Mena Jr.
    Jan 18, 2022
    Excellent service

    This is my second time using Fundbox and they have increased my loan amount. I really recommend Fundbox to others.

    ...

  • author
    McKenzie Family Investments, L
    Jan 17, 2022
    Really came in handy and simple process…

    Really came in handy and simple process unlike other companies

    ...

  • author
    Roor
    Jan 17, 2022
    Good for small business

    Good for small business

    ...

  • author
    terry james
    Jan 17, 2022
    It’s very easy to use.

    It’s very easy to use.

    ...

  • author
    JRAS
    Jan 16, 2022
    Fundbox has been great

    Fundbox has been great. They extended a line of credit to our business, which has been very helpful for our working capital. They provide education on their products and move quickly in upgrading you to other products that assist with growing your business. I would definitely recommend!

    ...

  • author
    TNT Basketball Development L.L
    Jan 15, 2022
    Great Service!

    Great Service!

    ...

  • author
    Lawrence Brooks
    Jan 15, 2022
    Easy & efficient.

    Easy & efficient.

    ...

  • author
    USA Humanitarians Inc
    Jan 15, 2022
    Very trustworthy partner in business

    Very trustworthy partner in business

    ...

  • author
    REACH COMPANIES LLC
    Jan 15, 2022
    GROWING WITH FUNDBOX

    AS A SMALL BUSINESS IN THE MIDST OF OUR 2ND YEAR OF EXPANSION, IT IS A BLESSING TO HAVE FUNDBOX ASSIST US WITH OUR GROWTH. WE ARE ENJOYING THE RELATIONSHIP THAT WE HAVE ESTABLISHED AND CONTINUE TO GROW WITH FUNDBOX.

    ...

  • author
    Ira
    Jan 15, 2022
    Angie was just amazing

    Angie was just amazing. Her attitude was uplifting and she know her stuff. Thank you Ira

    ...

  • author
    Terry Skywalker LLC
    Jan 14, 2022
    Great lender..

    Great lender... fast smooth and effortless

    ...

  • author
    Customer
    Jan 14, 2022
    Fast and convenient

    Really like how fast and convenient it is. Quick cash whenever you need, just a few clicks and you have it in your bank account.

    ...

  • author
    Westgate Bakery Inc
    Jan 14, 2022
    Quick to make a decision and quick to…

    Quick to make a decision and quick to fund. Best of both worlds.

    ...

  • author
    luke
    Jan 14, 2022
    When brick and mortar banks want…

    When brick and mortar banks want nothing to do with you and your already in a tight space Fundbox is the place to lean towards. They came in clutch and we were able to finish our project without any stoppages. Thank you Fundbox LG

    ...

  • author
    Door Hangers Inc.
    Jan 13, 2022
    Very simple and easy to use

    Fundbox is easy to use. Very simple and efficient. In our line of business (construction) it's been very useful for cash flow assistance as needed when receivables are slow.

    ...

  • author
    Al Basit Enterprises Inc
    Jan 13, 2022
    new to it fundbox but liking the system…

    new to it fundbox but liking the system thanks

    ...

  • author
    Elevation Prep Inc
    Jan 13, 2022
    Easy and quick to use.

    Easy and quick to use.

    ...

  • author
    Mother of Wild
    Jan 13, 2022
    Approved very quickly and funds were in…

    Approved very quickly and funds were in our account in a few days!

    ...

  • author
    BEE INSPIRING INC
    Jan 13, 2022
    Enjoying my experience thus far!

    Enjoying my experience thus far!

    ...

  • author
    Dr Luis Perez
    Jan 12, 2022
    great loc to have awesome

    great loc to have awesome

    ...

  • author
    Caliber Plumbing LLC
    Jan 12, 2022
    Fast,easy and reliable!

    Fast,easy and reliable!

    ...

  • author
    Norton performance
    Jan 11, 2022
    Very impressive!

    Very impressive!

    ...

  • author
    FREGO TITLE SEARCH COMPANY
    Jan 11, 2022
    Great website with easy functionality

    Great website with easy functionality. Fast funding too!

    ...

  • author
    J.Dantz
    Jan 10, 2022
    Great for business funds

    Great for business funds , although the weekly fees are a bit high.

    ...

  • author
    Rafael Dominguez
    Jan 10, 2022
    This is my second time using Fundbox…

    This is my second time using Fundbox and I always feel professionally attended...Thank You Fundbox

    ...

  • author
    Fireplace Doctor
    Jan 09, 2022
    Great company

    Quick and easy. Great way to begin building business credit.

    ...

  • author
    Silverglitzz
    Jan 09, 2022
    Fund box made it easy for me to…

    Fund box made it easy for me to purchase inventory and pay back on easy terms

    ...

  • author
    Dash Gift Box
    Jan 08, 2022
    Very simple and easy

    Very simple and easy! Very helpful!

    ...

  • author
    Nwa transport llc
    Jan 07, 2022
    They help me when I needed help they…

    They help me when I needed help they are the best AAAAA plus

    ...

  • author
    John Peden
    Jan 07, 2022
    Great service for the time

    Great service for the time

    ...

  • author
    Mbd Logistics Group Inc
    Jan 07, 2022
    Excellent

    Excellent. No problem

    ...

  • author
    Offroad Karnage Customs, LLC
    Jan 07, 2022
    Great company

    Great company! Zero hassle with them or aggravation!! Easy as 123

    ...

  • author
    Brian B.
    Jan 07, 2022
    Little pricey but Good

    Little pricey, but very easy and convenient once setup.

    ...

  • author
    More Money Matters Enterprises
    Jan 07, 2022
    Fundbox has been easy to use and fast…

    Fundbox has been easy to use and fast to fund. Customer Service is very polite and knowledgeable. My experience has been a great one.

    ...

  • author
    DMANIX INC
    Jan 07, 2022
    L love those loans

    L love those loans

    ...

  • author
    Peak Styles
    Jan 07, 2022
    Great Service!

    Great Service!

    ...

  • author
    MCI
    Jan 06, 2022
    Straight forward explanation of terms

    Straight forward explanation of terms

    ...

  • author
    Destinations W/ Character Trav
    Jan 06, 2022
    Great service but takes forever to get…

    Great service but takes forever to get credit increases

    ...

  • author
    Bear Valley Builders
    Jan 05, 2022
    Was just what I needed.

    Was just what I needed.

    ...

  • author
    Ismart Massagers
    Jan 05, 2022
    Fast and easy to work with!

    Fast and easy to work with!

    ...

  • author
    Jessica Nieuwmeyer
    Jan 04, 2022
    Easy and quick!

    Easy and quick!

    ...

  • author
    Tainas Volleyball
    Jan 04, 2022
    Great

    Good for emergencies!!

    ...

  • author
    Cyndi
    Jan 03, 2022
    It is nice to know that I have a little…

    It is nice to know that I have a little bit of a cushion when I need additional funds available when I need it. Thank you Fund Box

    ...

  • author
    Tri-City Rush
    Jan 03, 2022
    They will help you when other places…

    They will help you when other places won't. Thanks for believing in me.

    ...

  • author
    BCT Enterprise LLC
    Jan 03, 2022
    Funbox is a great solution for small…

    Funbox is a great solution for small businesses that need funds fast for business operations or whatever they need maybe. I highly recommend them. There’s no hassle just a few clicks on your phone or computer and the funds are in your bank in a day or two.

    ...

  • author
    Douglas Sloan
    Jan 02, 2022
    Fundbox is a fast easy way to get extra…

    Fundbox is a fast easy way to get extra capital for your business. The process is simple and only takes a couple of days to receive the loan. HIGHLY recommend for new small business starting out that need little extra push financially.

    ...

  • author
    Jennifer
    Jan 01, 2022
    awesome

    awesome awesome awesome

    ...

  • author
    Anno Domini Manufacturing
    Dec 31, 2021
    Their LOC is very flexible and easy to…

    Their LOC is very flexible and easy to use. And the web interface is intuitive and easy as well. I've had a good experience with their customer service and so far am a happy customer.

    ...

  • author
    Hi-Plains Trading Company
    Dec 30, 2021
    Very Easy To Deal With!

    Very Easy To Deal With!

    ...

  • author
    neat networks inc
    Dec 30, 2021
    review

    this company is great to work with

    ...

  • author
    Bree
    Dec 30, 2021
    Awesome

    Great emergency cash source

    ...

  • author
    Wood IN THE RAW LLC
    Dec 29, 2021
    Needed a few 1000' in Bridge Funding…

    Needed a few 1000' in Bridge Funding while awaiting Accounts Receivable - Funds came fast and Repayment was easy - - Matt in New Jersey

    ...

  • author
    Sprouting Scholars FAY LLC
    Dec 29, 2021
    Fundbox has been incredible for both of…

    Fundbox has been incredible for both of my businesses. I highly reccomend Fundbox for your business credit needs.

    ...

  • author
    T & R trucking Enterprise LLC
    Dec 28, 2021
    easy to use

    easy to use, straightforward, quick and easy process

    ...

  • author
    NY JMA Holdings LLC
    Dec 28, 2021
    Great for startups

    Great for startups

    ...

  • author
    Fatma Diagne
    Dec 27, 2021
    My business got help financially from…

    My business got help financially from Fund box and i really appreciate doing business with them. Thank you

    ...

  • author
    Tellis Enterprise LLC
    Dec 27, 2021
    Excellent

    Fast and convenient!

    ...

  • author
    Suresh Marimuthu
    Dec 27, 2021
    We got funded by Fundbox as Loan & Line…

    We got funded by Fundbox as Loan & Line of Credit. It's very transparent platform everything is clear. Once established the account they're providing Flex Pay 12 weeks & 24 weeks with affordable interest. Simple Words Fundbox : Financial support the way you want. We love the transparency ❤️. Only few lender"s you can expect this kind of transparency.

    ...

  • author
    BBS
    Dec 27, 2021
    great

    great service would do again

    ...

  • author
    Luq - Gadget Haus Plus
    Dec 23, 2021
    Amazing service for Small Businesses…

    Amazing service for Small Businesses like ours. Very happy we are using this service to manage finances.

    ...

  • author
    Clear Choice Flooring
    Dec 23, 2021
    Nice an convenient

    Nice an convenient

    ...

  • author
    Wicked Cutz
    Dec 22, 2021
    Does everything they say they're gonna…

    Does everything they say they're gonna do

    ...

  • author
    SOLOMON LAW FIRM PLLC
    Dec 22, 2021
    Fundbox is great.

    Fundbox is great.

    ...

  • author
    Superior Outdoor Lighting LLC
    Dec 22, 2021
    Convenient!

    Convenient!

    ...

  • author
    E & KIRK FARMS INC
    Dec 21, 2021
    If it works like this & there are no…

    If it works like this & there are no hidden charges, this is a dream come true to business.... It takes money to make money......

    ...

  • author
    Watts Capital
    Dec 21, 2021
    Easy and flexible.

    Easy and flexible.

    ...

  • author
    Black and White Transport
    Dec 20, 2021
    Great tool for keeping business funds…

    Great tool for keeping business funds in check

    ...

  • author
    Mitchell Wynne
    Dec 20, 2021
    Fundbox is a excellent resource for…

    Fundbox is a excellent resource for capital financing. I would recommend Fundbox for every business that needs some backup financing as needed.

    ...

  • author
    Albert
    Dec 18, 2021
    nice and easy

    nice and easy

    ...

  • author
    Crystal Therapy
    Dec 17, 2021
    I really like this service it has…

    I really like this service it has helped me make more money for my business for inventory.

    ...

  • author
    Paul Bermudez
    Dec 17, 2021
    Quick

    Quick, easy and very clear on Terms! I Love it!

    ...

  • author
    Mada Truck Lines LLC.
    Dec 17, 2021
    Great Loan Program

    Great Loan Program

    ...

  • author
    Sancho Express Inc
    Dec 15, 2021
    Fundbox is easy & hassle free to use

    Fundbox is easy & hassle free to use! Get your money as fast as in a day as well!

    ...

  • author
    TPMM LLC
    Dec 14, 2021
    Owner

    Great Company.

    ...

  • author
    Next Level Renovations Inc.
    Dec 13, 2021
    Great

    Great app, easy to use

    ...

  • author
    Parshant Kumar
    Dec 13, 2021
    Fundbox help

    I love Fundbox it has helped me out when my business is slow. I have recommended Fundbox to tons of people.

    ...

  • author
    Romell Potter
    Dec 13, 2021
    They are great reasonably payments…

    They are great reasonably payments goals that you can reach a week I recommend funbox to all small business owners

    ...

  • author
    customer
    Dec 13, 2021
    Communication Awesome

    Communication Awesome

    ...

  • author
    Vertical Rise International, L
    Dec 13, 2021
    Great Experience

    Its an amazing program with great customer service, a good way to get working capitol for your business. I am riding along with fundbox every step of the way!

    ...

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