Is Fundbox a direct funder or a broker?

Fundbox is a direct funder — they underwrite and deploy capital from their own balance sheet (or institutional credit facility), not by routing your file to other lenders. This matters because direct funders are accountable for the terms they quote.

What's the minimum revenue Fundbox will fund?

Fundbox's published floor is $8,000 in average monthly revenue, with 6 months minimum time in business. Credit score floor is 600+. These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.

How fast can Fundbox fund?

Fundbox's public speed quote is As fast as 1 day. In practice, clean files (consistent revenue, no NSFs, no second position) fund at the fast end of that range. Files needing additional documentation, second-position deals, or larger amounts ($250K+) take longer.

Should I go directly to Fundbox or through a broker?

Going direct gets you a single quote with no broker commission baked into the factor rate. Going through a broker (like Fundnode) gets you scored against multiple funders, including Fundbox, with full disclosure of how we earn. There's no universal right answer — but if you only want one quote, going direct saves the broker's cut.

Fundbox Review 2026 — Rates, Terms, Honest Verdict

Best for: Lower-bar LOC for thinner-file merchants. Amount range: $1K – $150K. Speed: As fast as 1 day. Below: the rate card, the watch-out, alternatives we'd compare against, and the honest verdict.

TL;DR

Fundbox ranks #6 in our 2026 funder ranking. Best for newer businesses (6+ months) or e-commerce sellers wanting a small revolving line. The strength: Lower bar than Bluevine. The watch-out: Smaller draws ($150K cap).

Fundbox rate card 2026

Category	LOC
Best for	Lower-bar LOC for thinner-file merchants
Amount range	$1K – $150K
Cost (factor / APR)	Weekly fee structure; APR-equivalent typically 30–60%
Speed to fund	As fast as 1 day
Min time in business	6 months
Min monthly revenue	$8,000
Min credit score	600+

The strength — what Fundbox does better than anyone

Lower bar than Bluevine. API-first / embedded narrative makes it the easiest LOC to integrate. Fast first-draw funding.

The watch-out — what Fundbox doesn't put in marketing

Smaller draws ($150K cap). APR-equivalent often higher than Bluevine for the same merchant profile.

Who Fundbox is best for

Newer businesses (6+ months) or e-commerce sellers wanting a small revolving line.

Who shouldn't apply

Merchants ranking solidly above Fundbox's box may want to apply to OnDeck or Credibly first for cheaper money. Established multi-location operators may get better terms at OnDeck or NewCo Capital Group. As with any MCA decision, the cheapest money is the money you don't borrow — start with the calculator at /calculator to see if the deal you'd take from Fundbox actually makes sense.

How Fundbox compares to the rest of the top 10

Funder	Category	Cost	Speed
Fundbox (this funder)	LOC	Weekly fee structure; APR-equivalent typically 30–60%	As fast as 1 day
Credibly	MCA + multi-product	Factor 1.11+ (MCA); APR varies for term + LOC	As fast as 4 hours
Greenbox Capital	Multi-product	Factor varies; published up to 19% ISO commission	24 – 48 hours
Accord Business Funding	MCA specialty	Factor varies by paper grade (often 1.40+)	Next-day for approved files
Bluevine	LOC	APR 6.2% – 27%	1 – 3 business days
OnDeck	Term + LOC	Term APR 27%+; LOC APR 30%+	Same-day for approved files

What to ask Fundbox before signing

"What's the APR-equivalent on this deal?" A funder who can't or won't quote it has something to hide. Required disclosure in five states as of 2026.
"Is there a prepayment discount?" Some funders charge the full factor regardless of payoff speed. Get the discount in writing before you sign.
"What's the reconciliation policy if my revenue drops?" The best funders adjust the daily ACH downward when deposits drop. Many won't. Ask in writing.
"Will you stack on top of an existing position?" Stacking is one of the top reasons MCA merchants default. If a funder accepts second/third position freely, that's a yellow flag for the merchant.

Frequently asked questions

Is Fundbox a direct funder or a broker?: Fundbox is a direct funder — they underwrite and deploy capital from their own balance sheet (or institutional credit facility), not by routing your file to other lenders. This matters because direct funders are accountable for the terms they quote.
What's the minimum revenue Fundbox will fund?: Fundbox's published floor is $8,000 in average monthly revenue, with 6 months minimum time in business. Credit score floor is 600+. These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.
How fast can Fundbox fund?: Fundbox's public speed quote is As fast as 1 day. In practice, clean files (consistent revenue, no NSFs, no second position) fund at the fast end of that range. Files needing additional documentation, second-position deals, or larger amounts ($250K+) take longer.
Should I go directly to Fundbox or through a broker?: Going direct gets you a single quote with no broker commission baked into the factor rate. Going through a broker (like Fundnode) gets you scored against multiple funders, including Fundbox, with full disclosure of how we earn. There's no universal right answer — but if you only want one quote, going direct saves the broker's cut.
What's Fundbox's biggest weakness vs alternatives?: Smaller draws ($150K cap). APR-equivalent often higher than Bluevine for the same merchant profile.

Head-to-head: Fundbox vs alternatives

Side-by-side comparisons with rate cards, use-case verdicts, and FAQs for picking between Fundbox and the closest alternatives in our 2026 ranking:

Head-to-head

Fundbox vs Bluevine

See the comparison →