Fundbox Review

Founded in 2013, Fundbox brands itself as a flexible provider of small business loans. The company offers a varied lineup of financial solutions for business owners, including lines of credit and term loans. Fundbox promotes itself as a way for businesses to balance their cash flow, cover payroll shortfalls, and finance growth.

In this review, we’ll look at the company’s financing options and examine their pros and cons. We’ll also see what customers have to save about Fundbox in order to help you make an informed decision.

Pros and Cons of Fundbox



What Does Fundbox Offer?

Fundbox offers two main financing vehicles: business lines of credit and term loans. General terms attached to its business lines of credit break down as follows:

And its term loans carry the following features:

Term loan borrowers in good standing may be eligible to take out an additional loan without the need to reapply.

To qualify for small business funding through Fundbox, borrowers must meet a few eligibility standards:

You also need to have an active business checking account. Fundbox also prefers borrowers who’ve been in business for at least six months. These qualification guidelines apply to both lines of credit and term loans. Note that borrowers must offer a personal guarantee and agree to a business lien when working with Fundbox.

What To Expect on the Site

Fundbox evaluates all applications on an individual basis. The company considers various borrower criteria, including:

To obtain a personalized quote, fill out an online form on the Fundbox website. Simply provide your name and email address, your company name, and a telephone number. A Fundbox representative will then contact you to discuss your options. Your credit score won’t be affected by requesting a quote.


Fundbox doesn’t attach any origination fees or early payment penalties to its term loans. However, line of credit customers may be subject to modest weekly fees on drawn funds. Not many business lenders do this, so it’s a drawback that offsets some of Fundbox’s advantages.

Otherwise, the company earns high praise for its transparency and low fees. Fundbox customizes its interest rates to each borrower, so generalizations are difficult. However, in explaining typical borrower costs, Fundbox uses the following sample rates:

You can consider these figures as ballpark benchmarks for the purposes of initial research.

What People Are Saying About Fundbox

Fundbox has an impressive Better Business Bureau (BBB) profile as of December 2021. It has an A+ rating on the BBB website and an impressive customer score of 4.73 out of 5 stars. Aggregate scoring considered more than 200 user-submitted reviews.

This strong showing carries over to Trustpilot. There, Fundbox has an excellent score of 4.8 out of 5 stars based on more than 3,000 reviews as of December 2021. Its Trustpilot scores break down as follows:

The Bottom Line

With fast funding, low fees, and excellent transparency, Fundbox excels as a provider of small business financing solutions. However, relatively high interest rates mean that borrowers with good credit scores may find better terms elsewhere. Fundbox may work best for businesses struggling to secure necessary access to loan capital from other lenders.