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Fundbox suits businesses that want a small revolving line of credit with a fast online decision. It is a legitimate small business lender founded in 2013, with loans originated by First Electronic Bank or Lead Bank and a 4.7 out of 5 Trustpilot score from about 4,600 reviews. The tradeoff is transparency: Fundbox has shifted toward selling financing through other software platforms and no longer lists its fees, minimum credit score or revenue rules, so get the full cost of each draw in writing before you accept it.
- Credit line
- Up to $250,000; each draw is its own loan with a fixed payment schedule2
- Repayment terms
- Chosen per draw; Fundbox lists 3 to 24 month terms, though some terms are only available through partner platforms, and its FAQ cites typical terms of 12, 24 or 52 weeks3
- Fees
- Pricing not published; no origination fees, and remaining fees are waived if you pay a draw off early3
- Requirements
- A business checking account with at least 3 months of transactions; credit score and revenue minimums not published4
- Credit check
- Soft pull to apply; hard pull at your first draw4
- Speed
- Decision in as little as 3 minutes; funds as soon as the next business day, within 2 business days per its FAQ2
- Lender
- Loans and lines originated by First Electronic Bank or Lead Bank; California Financing Law license 60DBO-487744
- Company focus
- Embedded capital for platforms such as Intuit, Stripe and SoFi; renewed its credit facility with ATLAS SP and Blue Owl in February 20267
Pros
- Fast online decision and next-business-day funding
- Revolving line up to $250,000
- Soft pull to apply
- No origination fee, and remaining fees waived on early payoff
- Reports to the SBFE, which can help build business credit
Cons
- Fees, APR and eligibility rules are not published
- Company focus has moved to financing sold through partner platforms
- Short terms mean large automatic payments
- Hard credit pull at your first draw
- Some repayment terms are only offered through partner platforms
Best for: Small businesses that want a revolving line of credit with a fast online decision and plan to repay each draw quickly.
Skip it if: You want to compare published rates before applying, or need long-term financing for equipment or expansion.
Fundbox vs. competitors
| Company | Line of credit amount | Minimum requirements | Published cost | Repayment | Next step |
|---|---|---|---|---|---|
| Fundbox | Up to $250,000 | Business checking with 3 months of activity; others not published | Not published | Set per draw | |
| Bluevine | Up to $250,000 | 625 FICO, 12 months, $10,000 monthly revenue, LLC or corporation | As low as 7.8% for top qualifying customers | Weekly or monthly, up to 12 months | Read review |
| OnDeck | $6,000 to $200,000 | 625 FICO, 1 year, $100,000 annual revenue | Average 59.8% APR on lines of credit | 12, 18 or 24 months | Read review |
| Biz2Credit | Up to $500,000 (30 states and DC) | 650 FICO, 12 months, $250,000 annual revenue | Not published | 12-month draw period | Read review |
Small business financing companies we reviewed
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Fundbox This review BestGuide rating: 4.2 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Small businesses that want a revolving line of credit with a fast online decision and plan to repay each draw quickly. -
Bluevine BestGuide rating: 4.2 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: LLCs and corporations with a year of history and steady monthly revenue that want a revolving line of credit up to $250,000 alongside a no-fee business checking account. -
Lendio BestGuide rating: 4.1 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Small business owners who meet basic minimums and want to compare several loan types and lenders through one application. -
National Funding BestGuide rating: 4.1 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Established businesses with steady revenue that need working capital or equipment quickly and have compared the total payback with other offers. -
Biz2Credit BestGuide rating: 4.0 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Established businesses with at least a year of history and six-figure revenue that need $25,000 to $2 million or more and can compare a written offer against other lenders. -
OnDeck BestGuide rating: 3.9 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Established small businesses with steady revenue that need short-term cash within a day or two and can afford frequent payments.
Fundbox, step by step
Apply online
Share basic business details and connect your business checking account through Plaid. This is a soft credit pull.
Get a decision
Fundbox says decisions can come in as little as 3 minutes, though some take 24 hours or longer and may need documents.
Draw funds
Choose an amount and a repayment term for each draw. Your first draw triggers a hard credit pull, and money arrives as soon as the next business day.
Repay
Each draw has fixed automatic payments from your bank account. Paying a draw down frees that credit to use again.
Pay off early
Fundbox says remaining fees are waived if you pay a draw off early, which lowers your total cost.
Fundbox legitimacy and licensing
Yes. Fundbox has lent to small businesses since 2013 and says it has funded more than $7 billion. Its loans and lines of credit are originated by First Electronic Bank or Lead Bank, and it holds a California Financing Law license. In February 2026 it renewed its credit facility with ATLAS SP Partners and added Blue Owl Capital as a lender.
Reviews are strong: Trustpilot shows 4.7 out of 5 from about 4,600 reviews, and the BBB rates Fundbox, Inc. A+ with 27 complaints in three years. Fundbox invites customers to review it, which tends to lift Trustpilot scores.
Is Fundbox still lending to small businesses?
Yes, but its focus has changed. Fundbox now describes itself as embedded capital infrastructure: it powers financing offered inside other platforms, such as Intuit, Stripe and SoFi according to trade press, and its home page is aimed at those partners. Small businesses can still apply directly at fundbox.com for a Line of credit. Revolving credit you can draw and repay up to a set limit. Compare small business financing companies. Expect fewer details on its public pages than before, and confirm terms in your offer.
Fundbox cost
Fundbox does not publish its fees or APRs. Its site says there are no origination fees and that remaining fees are waived if you pay off a draw early. Older reviews quote weekly fees starting at 4.66% of the draw for a 12-week term, but Fundbox no longer lists that figure, so treat it as out of date.
Before you accept a draw, ask for the total fee in dollars and the APR. The yearly cost of a loan including interest and fees, used to compare offers. Compare small business financing companies. Short-term business credit often costs far more than a bank line or SBA loan when expressed as an APR, and federal Truth in Lending rules generally do not apply to business loans, though California and New York require commercial financing cost disclosures.
What customers say about Fundbox
Recurring themes across the review sites and complaint records listed above, not individual quotes.
Common praise
- Fast approval and funding
- Simple online application
- Flexible draws for seasonal cash flow
- Helpful account representatives
Common complaints
- Automatic payment problems
- Slow support on complicated account issues
- Credit lines reduced or closed
- High cost compared with bank credit
Fundbox requirements
Fundbox’s FAQ says you need a business checking account with at least three months of transactions, connected through Plaid. It does not publish a minimum credit score, time in business or revenue, and it may ask for more documents. Applying uses a soft pull; your first draw uses a hard pull, which can affect your personal credit. Fundbox reports payments to the Small Business Financial Exchange, which shares data with Experian, Equifax and Dun and Bradstreet.
Complaints and what customers report
Most reviews praise fast approval and simple draws. Negative reviews and BBB complaints mention automatic payment problems, slow help with complicated account issues, and credit lines being lowered or closed. Keep enough in your connected account for scheduled debits, since missed payments can bring fees and affect your business credit. Contact Fundbox support at (855) 572-7707 and file a complaint with your state financial regulator if a dispute is not resolved.
Alternatives to Fundbox
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Bluevine
Publishes its starting rate and requirements, with the same $250,000 maximum line.
-
OnDeck
Publishes average APRs and offers both term loans and lines of credit.
-
Lendio
Lets you compare offers from many lenders with one application.
-
SBA microloans and local SBDC help
SBA-backed loans usually cost far less, and Small Business Development Centers give free help preparing an application.
Fundbox reviews
Written by readers, read by our moderators, never edited by the company.
No reader reviews yet. If you have used Fundbox, yours will be the first.
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Frequently asked questions
Is Fundbox a real lender?
Yes. Fundbox has served small businesses since 2013, and its loans and lines of credit are originated by First Electronic Bank or Lead Bank.
Is Fundbox still in business?
Yes. It now focuses on embedded financing sold through partner platforms, but small businesses can still apply directly for a line of credit at fundbox.com.
What credit score do you need for Fundbox?
Fundbox does not publish a minimum score. Older reviews cite 600, but its current FAQ only lists a business checking account with three months of transactions.
Does Fundbox do a hard credit pull?
Applying is a soft pull. If approved, Fundbox does a hard pull at your first draw, which may affect your credit score.
How much can you borrow from Fundbox?
Fundbox lines of credit go up to $250,000. Your limit depends on its review of your business.
How fast does Fundbox fund?
Decisions can take as little as three minutes, and funds arrive as soon as the next business day, within two business days per its FAQ.
What are Fundbox's fees?
Fundbox does not publish its rates. It says there are no origination fees and that remaining fees are waived on early payoff. Ask for the total dollar cost and APR before each draw.
Does Fundbox report to business credit bureaus?
Yes. It reports to the Small Business Financial Exchange, which shares data with Experian, Equifax and Dun and Bradstreet.
Who is the lender for Fundbox loans?
First Electronic Bank or Lead Bank originates the loans. California businesses borrow under Fundbox's California Financing Law license.
How do I contact Fundbox?
Email [email protected] or call (855) 572-7707, Monday to Friday, 8 a.m. to 7 p.m. ET.
Sources (8)
Facts on this page come from company websites, government agencies and regulators, checked on the dates shown. Editorial standards
- Fundbox: Home page (accessed October 12, 2026)
- Fundbox: For businesses (accessed October 12, 2026)
- Fundbox: Line of credit (accessed October 12, 2026)
- Fundbox: Frequently asked questions and lender disclosures (accessed October 12, 2026)
- Trustpilot: Fundbox reviews (accessed October 12, 2026)
- BBB: Fundbox, Inc. profile (accessed October 12, 2026)
- FinTech Global: Fundbox expands credit facility with ATLAS and Blue Owl (February 20, 2026) (accessed October 12, 2026)
- CFPB: Consumer complaint database search (accessed October 12, 2026)
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