The specs
Credibly ISO PortalFundbox ISO Portal
Product typeMulti-productLOC
Amount range$5K – $600K (MCA, term, LOC)$1K – $150K (LOC)
Cost (factor / APR)Factor 1.11+ A-paper MCA; APR varies termWeekly fee + APR equivalent typically 30 – 60%
Speed to fund4 hours on clean files; submission-to-offer under 30 minutes via API V2As fast as 1 day post-approval; portal submission-to-offer 1 – 3 days
Min time in business6 months6 months
Min monthly revenue$15,000$8,000
Min credit score550+600+
Products
- MCA
- Working capital LOC
- Short-term term loan
- Line of credit
Verdicts by use case
- Independent ISO building broker book with documented direct commission — Winner: Credibly ISO Portal. Credibly operates a direct ISO portal with API V2 documented commission flow. Fundbox is primarily direct-to-merchant and embedded — independent ISO channel is minimal as of 2026-06-28 and commission economics aren't transparently documented. For pure broker-economics-driven cascades Credibly is structural primary.
- Thin-file merchant under $15K/mo revenue — Winner: Fundbox ISO Portal. Fundbox's $8K/mo revenue floor is materially below Credibly's $15K/mo. For merchants at $8K – $15K/mo Fundbox is the only structural option in this 2-way. Above $15K/mo Credibly's underwriting box reopens.
- Mid-size deal ($150K – $600K) — Winner: Credibly ISO Portal. Fundbox caps at $150K LOC. Credibly's product line goes to $600K MCA / $400K term loan. For deals above $150K Credibly is the only structural option in this 2-way.
- Fastest funding speed (under 24 hours) — Winner: Credibly ISO Portal. Credibly funds in 4 hours on clean files. Fundbox funds as fast as 1 day post-approval, with submission-to-offer adding 1 – 3 days — total time to funds typically 2 – 4 days. For sub-24-hour funding Credibly is structural primary.
- SaaS-platform embedded distribution — Winner: Fundbox ISO Portal. Fundbox's API-first / embedded-lending narrative is structurally stronger than Credibly's for SaaS-platform embedded financing partnerships. Credibly's API V2 supports broker CRM integration but isn't positioned for SaaS-embedded distribution the way Fundbox is.
The honest takeaway
Credibly ISO Portal and Fundbox ISO Portal solve overlapping but distinct problems. The right choice depends on three things you already know about your business: how fast you need the money, how long you've been operating, and whether the capital need is one-time or recurring.
Frequently asked questions
- Does Fundbox actually have an independent ISO partner program?
- Fundbox's distribution strategy as of 2026-06-28 is primarily direct-to-merchant (search, content, in-product) with embedded-finance partnerships via accounting software integrations (QuickBooks, Xero) and select platform partners. The traditional independent-broker ISO channel exists but is much smaller than at Credibly, Greenbox, Accord, or Kapitus — and commission economics aren't transparently published. For independent ISOs the realistic implication: Fundbox isn't a primary cascade target for typical broker shops; the funder's strategic focus is embedded-platform distribution rather than independent-broker volume. Submit thin-file merchants ($8K – $15K/mo revenue range, sub-Credibly-floor) to Fundbox direct if the merchant doesn't qualify at Credibly or Bluevine; for the standard broker book route to Credibly direct (API V2), Greenbox (Priority 1 ISO program), or Accord (open ISO portal) for commission economics that actually justify the ISO's broker work.
- When is Fundbox structurally the right submission over Credibly?
- Three specific cases as of 2026-06-28: (1) Merchant revenue is $8K – $15K/mo — below Credibly's $15K/mo floor but above Fundbox's $8K/mo floor; Credibly will decline, Fundbox can approve. (2) Merchant needs a small revolving LOC for ongoing working capital (under $50K) and prefers a draw-as-needed structure over a lump-sum MCA — Fundbox's LOC structure with weekly-fee pricing fits the use case better than Credibly's MCA even though the APR-equivalent is higher. (3) Distribution is through an accounting-software embedded-finance partnership (QuickBooks, Xero) where Fundbox is already integrated — the embedded UX is the value vs the standalone broker submission. Outside these cases Credibly is structural primary for typical broker placements — better commission economics, faster funding, larger deal cap, more modern submission UX. The realistic ISO playbook: keep Fundbox in the cascade for thin-file fallback and embedded-distribution channels; lead with Credibly for mainstream broker submissions.
- Which is right for a $40K LOC need on a 8-month-TIB Florida retail merchant ($12K/mo, 610 FICO)?
- Fundbox is structural primary for this file as of 2026-06-28. The merchant doesn't clear Credibly's $15K/mo floor — Credibly will decline this file on revenue minimums. Fundbox qualifies (8 months exceeds 6-month floor, 610 FICO exceeds 600 floor, $12K/mo exceeds $8K floor). Expected Fundbox pricing: weekly fee structure equivalent to APR 35 – 50% on a $25K – $40K LOC, with first draw available 2 – 4 days post-approval. The merchant cost is higher than a Bluevine LOC would be (Bluevine declines on the 625 FICO bar) and higher than Credibly's MCA would be (Credibly declines on the $15K/mo floor) — but Fundbox is the only structural option in this 2-way for this specific file. The realistic ISO playbook: submit to Fundbox as primary, also present Greenbox MCA (accepts down to 500 FICO on some programs, $15K/mo floor may be flexible for the 8-month TIB) as the alternative direct submission, advise the merchant to push monthly revenue above $15K/mo over 2 – 3 months to reopen access to Credibly's underwriting box at materially better cost.