Fundbox, Inc.
Fundbox Review 2026
Lowest eligibility bar in this set — 3 months in business — but expensive credit.
Quick answer
Fundbox offers a business line of credit ($100–$250,000, 3–24 months, weekly repayment) with the lowest time-in-business (3 months) and revenue ($30,000/year) bars in this roundup — but NerdWallet's independent review puts its APR range at a steep 36%–99%, since Fundbox itself doesn't publish rate, credit-score, or revenue figures. Best used as a bridge for newer businesses that can't yet qualify elsewhere.
Who Fundbox is best for
Newer or thin-file businesses that can show 3+ months of business-checking history and want the lowest revenue bar on this list.
At a glance
- Loan amount
- $100–$250,000
- Rates (APR)
- 36%–99%
- Term
- 3–24 months, weekly repayment
- Min credit
- 600 personal FICO
- Time in business
- 3 months
- Funding speed
- Approval as fast as same-day (often within minutes); draws arrive within 2 business days
NerdWallet review of Fundbox, verified August 19, 2026; the $250,000 ceiling is also confirmed on fundbox.com directly. Fundbox's own site does not publish the $100 floor.
Third-party estimate via NerdWallet review — Fundbox's own site and FAQ do not publish an APR range or pricing parameters. Verified August 19, 2026
NerdWallet review of Fundbox, verified August 19, 2026; not corroborated on fundbox.com directly.
NerdWallet review of Fundbox (third-party; not confirmed on fundbox.com)
Corroborated directly on fundbox.com/faq: a business checking account with at least 3 months of transactions is required.
fundbox.com/faq and NerdWallet review, verified August 19, 2026
Pros
- +One of the lowest time-in-business bars on this list — 3 months
- +One of the lowest revenue bars on this list — $30,000/year
- +Approval decisions often arrive within minutes
- +Confirmed directly on Fundbox's own FAQ, not just a third-party estimate, for the time-in-business requirement
Cons
- −36%–99% APR range (per NerdWallet) is steep — best treated as a bridge product, not a low-cost loan
- −Fundbox's own site does not publish its APR range, credit-score minimum, or revenue minimum — those figures come from a third-party review, not the lender directly
- −$250,000 loan ceiling is lower than several peers on this list
Fundbox requirements
- 600+ personal FICO (third-party sourced)
- 3+ months in business with a business checking account
- $30,000+ annual revenue (third-party sourced)
Fundbox alternatives
Top alternatives worth comparing from Best Small Business Loans 2026.
OnDeck Capital, Inc.
OnDeck
Established businesses (1+ year, $100K+ revenue) that want speed and can tolerate a high-APR average.
Bluevine
Bluevine
Businesses that want a revolving credit line from a well-capitalized fintech and value fast (even instant) access to funds.
Lendio, Inc. (marketplace, NMLS ID 1998423)
Lendio
Business owners who want to compare offers across many lenders and products with a single application instead of applying individually.
Ready to apply?
Application takes minutes. Pre-qualification (where available) uses a soft credit pull with no impact to your credit score.
Apply at Fundbox, Inc.→Last verified at the issuer on 2026-08-20
The full lineup
See all picks in Best Small Business Loans 2026
Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.
Read the full guide →Bottom line
Fundbox scores 3.9 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: Newer or thin-file businesses that can show 3+ months of business-checking history and want the lowest revenue bar on this list.
◆ How we scored it
The ClearValue Rating, broken down.
- Cost
- 35%
- Fit & approval odds
- 30%
- Speed & terms
- 20%
- Transparency
- 15%
Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →
Related guides
Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.