Fundbox if you qualify — LOC APR pricing materially cheaper than MCA factor rates. But Fundbox's 600+ credit + 6+ month TIB excludes many merchants Greenbox serves.

Yes if their use cases don't overlap (e.g., Fundbox LOC for ongoing AR + Greenbox advance for inventory purchase). But Fundbox treats new MCA stacking as a covenant issue.

Which builds business credit better?

Fundbox — reports to business credit bureaus. Greenbox MCAs aren't reported to business credit, so they neither help nor hurt your business credit profile.

Greenbox Capital vs Fundbox — honest comparison 2026

Both fund small businesses. They solve different problems. Here's the honest side-by-side, then five use-case verdicts so you don't have to guess.

The specs

Greenbox CapitalFundbox

Product typeMulti-productLOC

Amount range$5K – $250K (MCA); other products vary$1K – $150K

Cost (factor / APR)Factor varies by paper; published commission up to 19% to ISOsWeekly fee + APR equivalent typically 30–60%

Speed to fund24 – 48 hoursAs fast as 1 day

Min time in business6 months6 months

Min monthly revenue$15,000$8,000

Min credit scoreFlexible — accepts down to 500 on some programs600+

Products

MCA
Invoice factoring
Equipment financing
Collateral loans
LOC

Line of credit

Verdicts by use case

Lowest cost for established merchants — Winner: Fundbox. Fundbox is a LOC (line of credit) with APR pricing, typically equating to lower effective cost than Greenbox's MCA factor pricing for qualifying merchants.
Lower revenue businesses ($8-15K/mo) — Winner: Fundbox. Fundbox accepts $8K/mo revenue vs Greenbox's $15K floor.
Bad credit acceptance — Winner: Greenbox Capital. Greenbox accepts 500+ credit; Fundbox wants 600+. For sub-600 credit, Greenbox is the only option of the two.
Industry breadth — Winner: Greenbox Capital. Greenbox funds trucking, construction, hospitality. Fundbox is more selective and won't fund higher-risk verticals.
Speed — Winner: Tie. Both fund in 1-3 days for clean files.

The honest takeaway

Greenbox Capital and Fundbox 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

Which is cheaper?: Fundbox if you qualify — LOC APR pricing materially cheaper than MCA factor rates. But Fundbox's 600+ credit + 6+ month TIB excludes many merchants Greenbox serves.
Can I have both?: Yes if their use cases don't overlap (e.g., Fundbox LOC for ongoing AR + Greenbox advance for inventory purchase). But Fundbox treats new MCA stacking as a covenant issue.
Which builds business credit better?: Fundbox — reports to business credit bureaus. Greenbox MCAs aren't reported to business credit, so they neither help nor hurt your business credit profile.