undbox is a San Francisco-based fintech lender founded in 2013 that has served 500,000+ small businesses with $3B+ in capital. Its sole product — a revolving business line of credit up to $250,000 — is one of the most accessible in the market: decisions in 3 minutes, next-business-day funding, no origination fees, no maintenance fees, no prepayment penalties, and early payoff cancels all remaining fees entirely. The 3-month minimum business history (with a business checking account) and 600 minimum credit score make it genuinely startup-friendly. The tradeoffs: weekly repayment schedule, maximum 24-week (6-month) terms on the base product, and fees that translate to high effective APRs if you're not in the lowest tier. Fundbox Plus adds 52-week terms and monthly payment options for $99/month. Best for businesses needing fast, revolving working capital access with low eligibility requirements.
undbox is a San Francisco-based fintech lender founded in 2013 that has served 500,000+ small businesses with $3B+ in capital. Its sole product — a revolving business line of credit up to $250,000 — is one of the most accessible in the market: decisions in 3 minutes, next-business-day funding, no origination fees, no maintenance fees, no prepayment penalties, and early payoff cancels all remaining fees entirely. The 3-month minimum business history (with a business checking account) and 600 minimum credit score make it genuinely startup-friendly. The tradeoffs: weekly repayment schedule, maximum 24-week (6-month) terms on the base product, and fees that translate to high effective APRs if you're not in the lowest tier. Fundbox Plus adds 52-week terms and monthly payment options for $99/month. Best for businesses needing fast, revolving working capital access with low eligibility requirements.
3-minute decisions, early payoff fee cancellation, and genuine startup eligibility set Fundbox apart from every other line-of-credit lender in 2026.
Fundbox is best suited to businesses with recurring short-term cash flow gaps that benefit from revolving access rather than a one-time lump sum.
Cover payroll when a large receivable is pending but your payroll date is today. Draw from your Fundbox line and repay when the receivable clears.
Stock seasonal inventory or respond to an unexpected purchase opportunity without depleting operating reserves.
Bridge the timing gap between monthly expenses (rent, suppliers) and monthly revenue cycles — particularly for B2B businesses on net-30 or net-60 terms.
Cover unexpected repairs, equipment failures, or urgent operational costs with same-week capital access.
Fund time-sensitive advertising or campaign spending before the revenue it generates arrives.
Keep a Fundbox line active as a standing working capital buffer — draw only when needed, pay no fees on unused credit.
Fundbox focuses on one product — a revolving business line of credit — and has built the fastest, most accessible version in the market.
Revolving credit line with 12 or 24-week repayment terms. Weekly automatic ACH payments. Fees from 4.66% (12-week) or 8.99% (24-week) on drawn amounts. No fees on unused credit.
$99/month membership adds 52-week terms, monthly payment option (vs. weekly), 28-day payment deferral after draws, and a 20% discount on all fees. Best for businesses needing longer runway.
Short-term loan product currently in beta, available only to select existing Fundbox customers. Not publicly available as of June 2026. Monitor fundbox.com for updates.
Create a Fundbox account and connect your business checking account or accounting software. Provide basic business info. Soft credit pull — no score impact.
Fundbox’s AI evaluates your bank account transaction history, revenue trend, and credit profile. Decision arrives in as little as 3 minutes for most applicants. Some applications require manual review (1–2 days).
Once approved, draw any amount up to your limit at any time via the Fundbox dashboard or mobile app. Your credit line is available immediately — no further approval needed.
Weekly payments auto-debit from your business checking account. Repay early anytime and all remaining fees are cancelled. Available balance replenishes as you repay.
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| Eligibility | ||||||
| Loan Amount | $1K – $150K | $10K – $5M | $5K – $1.5M | $5K – $400K | $5K – $600K | $10K – $5M |
| Time in Business | 6+ Months | 9+ Months | 6+ Months | 12+ Months | 6+ Months | 12+ Months |
| Monthly Revenue | $30K+ | $30K+ | $12K+ | $8,333+ | $15K+ | $21K+ |
| Min. Credit Score | 600+ | None | 500 | 625+ | 500+ | 600+ |
| Loan Details | ||||||
| Funding Speed | Same / Next Day | Same Day | 72 Hours | Same Day | 24 Hours | 24–48 Hours |
| Approval | Instant | Within 3 Hours | — | — | 4 Hours | — |
| Rating | ||||||
| Rating | ||||||
| BBB Rating | A+ | A- | A+ | A+ | A+ | N/A |
| Apply Now | Apply | Apply | Apply | Apply | Apply | |
Fundbox is a fintech lender that issues its lines of credit through First Electric Bank, a Utah-chartered Industrial Bank and FDIC member. In practice, Fundbox underwrites, approves, and manages all customer relationships directly. Founded in 2013 in San Francisco, CA.
Fundbox requires a minimum personal credit score of 600. Borrowers with scores above 650 tend to see better approval odds, and the best rates typically require 700+ FICO. Applying uses a soft credit pull — no score impact. A hard pull occurs only at your first draw.
Fundbox charges a flat weekly fee on drawn amounts rather than traditional interest. For a 12-week term, fees start at 4.66% of the drawn amount total. For a 24-week term, fees start at 8.99% total. These translate to effective APRs of 30%+ for most borrowers. Paying off early cancels all remaining fees.
Yes. Paying off a draw early cancels all remaining weekly fees entirely — not just reduces them. This is one of Fundbox’s most significant advantages over factor-rate lenders where total cost is fixed regardless of early repayment.
Fundbox Plus is a $99/month membership that adds: 52-week repayment terms (vs. 24 weeks base), monthly payment option (vs. weekly), 28 days before first payment after each draw, and a 20% discount on all weekly fees. Worth considering for businesses borrowing larger amounts or needing longer repayment runway.
Yes. Founded in 2013, Fundbox has served 500,000+ small businesses with $3B+ in capital, holds an A+ BBB rating, and a 5-star Trustpilot rating across 4,300+ reviews. Its lines of credit are issued through First Electric Bank (FDIC member). BLIQ has independently verified Fundbox as an active, operating lender.
Fundbox earns a strong place in 2026 for businesses that need fast, revolving working capital access with low eligibility requirements. A 3-minute decision, next-day funding, no origination fees, and the early payoff fee cancellation benefit make it one of the most borrower-friendly products in the online lending market. The 5-star Trustpilot rating across 4,300+ reviews and 500,000+ businesses served since 2013 confirm consistent execution at scale.
The cost is real: weekly fees translate to effective APRs of 30%+ for most borrowers, and the 24-week base term is short for larger draws. But for businesses with recurring short-term cash flow gaps — payroll timing, inventory cycles, seasonal dips — Fundbox's revolving structure with no ongoing fees on unused credit is genuinely differentiated. If you need longer terms or lower rates, consider Bluevine (7.8% APR, 52-week terms) for a better rate if you meet the 12-month minimum.
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