FundBox B2B Loan Review

  • Loan Types: B2B Loans Against Unpaid Invoices, Line of Credit
  • Availability: USA (Merchants with Unpaid Invoices or Those Looking for a Flexible Credit Line)
  • Securities: Unsecured
  • Loan amount: $10,000 – $100,000
  • Interest: Varies: by product. 4.66% to 79.8%.
  • Overall Rating: Most Effective 4.9 / 5.0

About FundBox

FundBox is one of a group of US B2B lenders in business to help companies maintain cash flow while awaiting outstanding payments. Unpaid invoices are a problem for small businesses who may wait from 30 to 90 days for payment, even after rendering goods or services. FundBox uses a revolving credit model to allow these businesses to receive instant payment for their choice of invoices. This credit is repaid when the original client pays off the invoice. Fundbox also offers a line of credit.

SMB Oriented

Borrow as little as $10,000 for 12 weeks or 24 weeks (line of credit capped at 12 weeks), on a loan against your pending invoices with equal weekly payments. .Easy to use in times where there are cashflow problems.

Quick Approval

Everything is fully automated. In most cases you would get approved within 1 business day (and not more than 3).


Just over 5 years old and already served 100,000 small U.S based businesses! Covered by major media outlets in a very positive way. Integrated with Intuit’s platform – the largest accounting platform online, in which you can apply directly for FundBox credit.

The Good and the Bad


  • Smaller Loans Available . FundBox offers smaller loans than competitor BlueVine, meaning that smaller businesses can be served.
  • Automated and Transparent. FundBox’s approval and financing process is entirely automated, using complex data to determine the health of your company and the cost of your financing.
  • Quick Approval
  • Praised by Media


  • Demanding. In order to make this work well for your business, you must commit to the FundBox model. This requires the user to pay off invoices quickly in order not to incur high interest rates and fees. However, this service is less of a commitment than competitor companies which require users to open up a checking account within the company. With FundBox, you can use your normal company bank account.

Which type of companies do they apply to?

FundBox list $50,000 as the minimum revenue with at least 3 months of invoicing history through a supported software. For line of credit – you need to be in business for at least 3 months with an annual turnover of $50,000.

Are bad credit businesses accepted?

Yes. FundBox determines the health of your company using methods more nuanced than a simple credit check. Their data collection analysis looks at the overall health of your business in fine detail, even analyzing customer demographics and seasonal sales momentum. If your bad credit translates to an inherently unhealthy business, you may be denied, but you won’t be denied on the basis of bad credit alone.

Early Repayments & Comparison

There is no penalty for early repayment. Though FundBox sets up your loan to be paid off over 12 weeks, pay early and you’ll only pay the principal.

How do they compare with other companies in the industry:

FundBox makes invoice advances available to smaller businesses than are usually served in this industry. Their early reviews are excellent, and the service seems credible and easy enough to use.

Reputation & Feedback

FundBox is 5 years old, but has already served hundreds of thousands of businesses. Reviews found on Huffington PostNerd Wallet, and Market Watch all show FundBox to be a credible player in a fast-growing industry.

Tech Crunch provides a look into the inner workings of the company. User testimonials are good, where they can be found.

Fast, Effective, Mean to Resolve Cashflow Problems. Quick, Easy, Reliable.

Bottom Line

FundBox is fast, efficient financing for outstanding invoices as well as a flexible credit line. But it is only worth it if the user pays off each loan quickly. FundBox goes so far as to say this in their web copy. If a user neglects to pay off a loan according to the terms issued (or earlier), enormous rates and fees will start to make this financing very expensive indeed. Nonetheless, for attentive business owners, this will be an excellent way to maintain cash flow while waiting for payments from clients.