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Fundbox Review

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Reviews 2,902

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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 $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

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 $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.‎

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Trustpilot reviews

See what some costumers are saying about Fundbox
Fundbox
ExcellentReviews 2,902
on
Excellent
90%
Great
6%
Average
1%
Poor
0%
Bad
3%
  • author
    Pierre A. Colombel
    18 hours ago
    Great Service

    Great Service

    ...

  • author
    Don
    18 hours ago
    works well

    Fund box works well

    ...

  • author
    Echo Electronics Inc.
    a day ago
    Quick

    Quick, painless, easy!

    ...

  • author
    Stephen Bloom
    a day ago
    Great straightforward way of getting…

    Great straightforward way of getting short term funds. Not cheap, but better rates than MCAs.

    ...

  • author
    Florida Autos Inc
    2 days ago
    It's a lifer saver to a business

    It's a lifer saver to a business. You get your money the next day, and the payment you make is available to you for reuse. Can't beat it.

    ...

  • author
    Peter Brochu
    3 days ago
    Great service

    Great service , fair rates for money, easy to work with

    ...

  • author
    Clean Touch Carpet Cleaning
    4 days ago
    Great service

    Great service, easy to use and great customer service.

    ...

  • author
    November Rain
    4 days ago
    Very easy and convenient.

    Very easy and convenient.

    ...

  • author
    Cyber Defense International, L
    Sep 20, 2021
    easy to use

    easy to use, pull funds and understand the breakdown.

    ...

  • author
    Sylvester
    Sep 20, 2021
    Good service fast funding

    Good service fast funding

    ...

  • author
    Powder and Chic, LLC
    Sep 17, 2021
    Such an easy understanding way to…

    Such an easy understanding way to borrow money. I do not have the best business credit because I am a new business this helps me out so much and the fees are low.

    ...

  • author
    a one midwood furniture inc
    Sep 15, 2021
    very good

    fund box is very good .

    ...

  • author
    Miller Woodworking
    Sep 15, 2021
    this is a great help when i am waiting…

    this is a great help when i am waiting for payments from upcoming jobs

    ...

  • author
    IsXLLC
    Sep 15, 2021
    Love the simple process

    Love the simple process

    ...

  • author
    Eric Keyte
    Sep 14, 2021
    Fundbox could not be easier.

    Fundbox could not be easier! The whole process from start to finish was very simple. Apply, set up bank info, and start drawing. They've helped my business a lot.

    ...

  • author
    barbara
    Sep 13, 2021
    found things on my credit. that should not be there

    I JUST started tonight and found things on my credit that i don't owe. there were numbers so i called them and they as wellsay they don't know why, i owe them nothing.

    ...

  • author
    Artecasaus LLC
    Sep 13, 2021
    good and reliable service

    good and reliable service

    ...

  • author
    B.T.W.LLC
    Sep 12, 2021
    The repay option should be better if…

    The repay option should be better if someone wants to pay it off earlier than agreed.

    ...

  • author
    Brothers Interested in Growth
    Sep 10, 2021
    Come in handy when needed for my…

    Come in handy when needed for my business purchases.

    ...

  • author
    DanCo Plumbing Solutions LLC
    Sep 10, 2021
    The dashboard makes it easy to use and…

    The dashboard makes it easy to use and see where you stand.

    ...

  • author
    OhKay
    Sep 10, 2021
    Ease of use

    Ease of use, convenience and great customer service. Great credit resource for businesses.

    ...

  • author
    Robert Berkley
    Sep 09, 2021
    Quick easy way to get funding when…

    Quick easy way to get funding when needed, and great rates to bay back.

    ...

  • author
    Ross
    Sep 08, 2021
    Simple and reliable when needed

    Simple and reliable when needed. Very clear on payments.

    ...

  • author
    Born With Purpose
    Sep 08, 2021
    The process is simple

    The process is simple! Fundbox really works with you! I will be a customer for a long time!

    ...

  • author
    Ivy’s Construction LLC
    Sep 08, 2021
    Easiest and best place to get a credit…

    Easiest and best place to get a credit line from

    ...

  • author
    Brandi
    Sep 07, 2021
    Excellent, easy short term funding!

    Excellent, easy short term funding! Lower interest rate than many other options too. And the automatic withdrawals mean repayments are never late!

    ...

  • author
    customer
    Sep 07, 2021
    Easy to us friendly service.

    Easy to us friendly service.

    ...

  • author
    eric S.
    Sep 07, 2021
    love, love love Fundbox

    love,, love,, love,, Fund box! they actually care a bout the small guy. there support staff are very kind people. and if there is a way to help you!! they will find it!.

    ...

  • author
    Barbara Godwin
    Sep 06, 2021
    Really great to work with and have for…

    Really great to work with and have for certain times!

    ...

  • author
    jcellphone multiservice
    Sep 04, 2021
    muy buena compania

    esta compania me gusta muvho es muy buena

    ...

  • author
    Solid Prime Tile & Stone Inc
    Aug 31, 2021
    I’m been using Fundbox for my business…

    I’m been using Fundbox for my business a few months Works amazing low interest and credits funds are 24 hours later to be use in my bank account.! Thank you fund box

    ...

  • author
    Salon savoy
    Aug 31, 2021
    IM VERY LUCKY TO HAVE A BACKUP ON THIS…

    IM VERY LUCKY TO HAVE A BACKUP ON THIS EPEDEMIC AND CONTINUE HAVING MY BUSISNESS OPEN

    ...

  • author
    IVSComm, Inc
    Aug 30, 2021
    Fast

    Fast, easy and works well.

    ...

  • author
    Joseph
    Aug 30, 2021
    Straightforward

    Straightforward. No nonsense. Would recommend.

    ...

  • author
    Donna E
    Aug 30, 2021
    Reconnecting account

    The customer service representative was very helpful and stayed with me until my issue was resolved.

    ...

  • author
    Doleh Properties, LLC
    Aug 30, 2021
    Great partner

    Quick and easy app. Got approved in seconds.

    ...

  • author
    Tim Giffin
    Aug 28, 2021
    Excellent support staff!

    Thus was a little more difficult than I thought, however with FundBox Excellent support staff - Excellent results, we will refer...

    ...

  • author
    Quality Exteriors LLC
    Aug 27, 2021
    They are the best to work with

    They are the best to work with

    ...

  • author
    Rebecca Mills
    Aug 26, 2021
    Good Stuff def provided help when needed

    Good Stuff def provided help when needed

    ...

  • author
    Cotter Mining
    Aug 26, 2021
    Great service

    Great service, when your bank account disappears from app glitches they are quick to get it back up and running again. Fast deposits, you go up to 4 draws at a time.

    ...

  • author
    customer
    Aug 25, 2021
    Very quick

    Very quick, easy and efficient.

    ...

  • author
    Biz Owner
    Aug 25, 2021
    Very pleasantly surprised

    Very pleasantly surprised. Fast application process. Informative on-boarding material. Reasonable rates and fees. Probably took 10 minutes from the time I searched for them until the time the account was open.

    ...

  • author
    Matthews and Associates LLC
    Aug 25, 2021
    Very flexible and easy to use!

    Very flexible and easy to use!

    ...

  • author
    GiscarS Auto Broker LLC
    Aug 25, 2021
    EXCELENT HEALP

    EXCELENT HEALP

    ...

  • author
    Sherry Legaux
    Aug 25, 2021
    Great Service

    Great Service The service was prompt and professional. Also, great customer service!

    ...

  • author
    miguel ramos pa
    Aug 24, 2021
    Great option for small business !

    Great option for small business !

    ...

  • author
    Carlos
    Aug 23, 2021
    Never had an issue ..

    Never had an issue ... always a pleasure to use them in a pinch ... low fees.

    ...

  • author
    Brown Enterprise Investors LLC
    Aug 22, 2021
    Quick good funds I hope they raise my…

    Quick good funds I hope they raise my limit and better my rate I will be doing more business thanks guys !

    ...

  • author
    Akicktion
    Aug 22, 2021
    Fast quick and user friendly

    Fast quick and user friendly. Fits perfectly with my needs.

    ...

  • author
    Private
    Aug 20, 2021
    Simple and easy funding for business.

    Simple and easy funding for business.

    ...

  • author
    George Stephenson
    Aug 19, 2021
    Easy and fast instant capital when you…

    Easy and fast instant capital when you need it.

    ...

  • author
    Dream Home Real Estate Service
    Aug 19, 2021
    Fundbox is easy to use and has very…

    Fundbox is easy to use and has very reasonable rates comparted to other similar services. I highly recommend them!

    ...

  • author
    Jym North
    Aug 19, 2021
    The support team is always terrific.

    The support team is always terrific to work with. My recent experience was just like the others...courteous, efficient, and resolved.

    ...

  • author
    Insuring You Insurance Corp
    Aug 19, 2021
    They have really pulled me out of tight…

    They have really pulled me out of tight situations:) Thank you Fundbox!!!!

    ...

  • author
    County Home Improvements LLC
    Aug 19, 2021
    Great service

    Great service! Fast funding!

    ...

  • author
    Xpress Kargo Llc
    Aug 19, 2021
    great company

    great company. loans are easy and affordable!

    ...

  • author
    Bosarge Mobile Home Sales
    Aug 19, 2021
    GREAT COMPANY

    GREAT PLACE TO WORK AND GROW WITH ,

    ...

  • author
    Macon Prophet LLC
    Aug 19, 2021
    Love Love Love FundBox‼️

    Love Love Love FundBox‼️

    ...

  • author
    jenlen,LLC
    Aug 19, 2021
    Bianca is very knowledgeable about all…

    Bianca is very knowledgeable about all the products of Fundbox. She answers all my questions very efficiently.

    ...

  • author
    Timothy a Coons Cpa PhD
    Aug 19, 2021
    Simple and easy to utilize and easy…

    Simple and easy to utilize and easy payment options. Great company to deal with.

    ...

  • author
    American Trustee, Inc.
    Aug 19, 2021
    Awesome service!

    Awesome service!

    ...

  • author
    cuauhtemoc
    Aug 19, 2021
    Gffannsbshshzhznnnnnnnnnnnnbgggffdddddddds

    Gffkjhggcsjdjdvccfffajsjdjdbfvvvxbfbfbf

    ...

  • author
    Ray
    Aug 17, 2021
    Great company

    Great company, easy to use

    ...

  • author
    customer
    Aug 16, 2021
    Easy

    Nice and easy

    ...

  • author
    customer Andy rahman
    Aug 14, 2021
    Very convenient

    Very convenient

    ...

  • author
    Benjamin Kathale
    Aug 13, 2021
    Satisfied Move 4 Less LLC out of Dunbar WV

    All financial institutions needs to learn from this company on how to provide funds for small businesses in a blink of an eye through transparency of your banking records and good credit score with available balance you get funded according to your financial records history using their well set up platform. Funds needed were deposited the following day, thus giving me as an owner room to spend time in innovation and growing my company with a new equipment right away and winning a new contract. The payments are great and enables my company a chance to create a bond that looks brighter in the future! Awesome services and keep up growing to excellence!! Now let me go help build our Nation. You save me time and I am able to grow my revenue!!

    ...

  • author
    Union Digital Inc
    Aug 12, 2021
    Fundbox is easy

    Fundbox is easy, quick, and reasonable!

    ...

  • author
    Stacy Coats
    Aug 12, 2021
    Thank you...

    Thank you...

    ...

  • author
    Cortez Williamson llc
    Aug 11, 2021
    great service!!!!!

    great service!!!!!

    ...

  • author
    Fresh Laundry LLC
    Aug 11, 2021
    Fundbox has been super helpful to my…

    Fundbox has been super helpful to my small + growing business. The repayment flexibility allows us to pay back in reasonable amounts and time.

    ...

  • author
    Tired Teachers Investments
    Aug 11, 2021
    Easy terms to understand

    Easy terms to understand. Fast Funding. Flexible early payment options.

    ...

  • author
    Kids Zone Behavioral Health
    Aug 11, 2021
    Great

    Fundbox is a great way to get working capital quickly.

    ...

  • author
    Southeastern Health Products
    Aug 11, 2021
    This is the best way to borrow money I…

    This is the best way to borrow money I have ever seen. It takes less than 1 minute to draw from your line of credit after you submit an application and get approval

    ...

  • author
    Zakiyyah Suluki
    Aug 10, 2021
    Portal Is very easy to setup and use. I like that you can recycle your funds

    Portal Is very easy to setup and use.

    ...

  • author
    Lee Homes LLC
    Aug 10, 2021
    Easy to use

    Easy to use. Funds deposited next day. Much easier than banking!

    ...

  • author
    NIKTX
    Aug 09, 2021
    Great transparency and understanding

    Great transparency and understanding. Overall smooth company and app.

    ...

  • author
    Quality Puppies Usa
    Aug 09, 2021
    Fundbox is awesome!!

    Fundbox is awesome!!

    ...

  • author
    Edgewood Hospitality
    Aug 09, 2021
    Quick and convenient

    Quick and convenient, with fair terms.

    ...

  • author
    Waleed
    Aug 08, 2021
    Great service

    Great service. Love the ease of use and automation. All all info available on website. No need to talk to anyone

    ...

  • author
    NA
    Aug 06, 2021
    Great investment assistance

    Great investment assistance

    ...

  • author
    SHALOM
    Aug 06, 2021
    Am so grateful for the team at Fund box…

    Am so grateful for the team at Fund box came though for me and gave me chance where every other leading platform had turned me down. Thanks Would highly recommend for anyone in need of a financial helping hand .

    ...

  • author
    ASH Texas
    Aug 05, 2021
    Fantastic simple to use line of credit

    Fantastic simple to use line of credit. Simple repayment terms which are much better than daily draw options

    ...

  • author
    John C
    Aug 04, 2021
    Thanks to Fundbox

    Thanks to Fundbox, we have been able to borrow enough money, in order for us to keep up with the rising costs of goods without a hassle. They are the best. Thank you.

    ...

  • author
    Charles
    Jul 31, 2021
    the availability of funds is great

    the availability of funds is great. It would be better if it was monthly payments and a maturity of 1 year

    ...

  • author
    North Atlanta Plumbing and Mor
    Jul 30, 2021
    nice

    very easy process

    ...

  • author
    Audrena Whitehead Hamlin
    Jul 29, 2021
    It was right on time

    It was right on time! I needed extra funds to get stuff for a last minute Event and I received an email from them and I went online and filled out everything and it was a blessing?!

    ...

  • author
    American Professional Cut
    Jul 29, 2021
    Easy to use

    Very easy to use

    ...

  • author
    RoofNow LLC
    Jul 29, 2021
    Great help for business

    Great help for business

    ...

  • author
    Rebecca
    Jul 27, 2021
    Very user friendly and easy to use

    Very user friendly and easy to use! Love it!

    ...

  • author
    Randy
    Jul 26, 2021
    You are there when I need you

    You are there when I need you. Thank you.

    ...

  • author
    precision decorative concrete
    Jul 20, 2021
    excellent service ,fast and far no…

    excellent service ,fast and far no hassel

    ...

  • author
    Volcano Kimchi
    Jul 19, 2021
    I'm very grateful to get quick fundings…

    I'm very grateful to get quick fundings through Fundbox! It's really convenient and easy to access. Highly recommended:)

    ...

  • author
    MBP enterprises inc.
    Jul 15, 2021
    Great Company

    Great Company. Easy to use, and very straightforward about how it works.

    ...

  • author
    Amtax Professionals LLC
    Jul 15, 2021
    Easy money!

    Easy to get money.

    ...

  • author
    Daniel Ray
    Jul 15, 2021
    Great company!!

    Great company!!

    ...

  • author
    M & M Financial LLC
    Jul 14, 2021
    Quick funding process!

    Quick funding process!

    ...

  • author
    Brian
    Jul 14, 2021
    Very easy site to work with very fast…

    Very easy site to work with very fast and reliable

    ...

  • author
    Steve Green
    Jul 12, 2021
    Very simple and professional.....

    Very simple and professional.....

    ...

  • author
    Brian
    Jul 12, 2021
    Being able to pay vendors quickly…

    Being able to pay vendors quickly improves our reputation in the marketplace. The cost of the service is returned in happy vendors and pleased clients.

    ...

  • author
    Agape Care Services, LLC
    Jul 12, 2021
    Fundbox is a present help in the time of need!

    Fundbox has proven to be a very present help during extremely trying times. With the staff shortage in place, it's been real difficult to recruit permanent help. Fundbox has been a God-send by enabling my company to secure much needed contract help. I would certainly recommend this business to anyone in need of immediate financial assistance, especially small businesses like mine.

    ...

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