Fundbox
invoice-financing · USFundbox specializes in invoice financing and short-term lines of credit up to $150,000, designed to help small businesses bridge cash flow gaps between invoices. Its AI-powered underwriting evaluates business data — not just personal credit scores — making it accessible to newer businesses with a minimum of just 3 months in operation. Fundbox charges a weekly fee of 4.66% per 12-week term with a draw fee starting at 4.66%, and offers same-day funding for approved applicants. It integrates with QuickBooks, Xero, FreshBooks, Wave, Stripe, PayPal, and Shopify. Terms vary by applicant. Fundbox is available to US-based businesses only.
Quick Answer
Fundbox is designed for smb businesses. Pricing starts at $4.66/mo. Best suited for US-based businesses. Low minimum time-in-business requirement (3 months)
Pricing
// verify pricing before launch — prices shown may not reflect current vendor rates
Key Features
- •Lines of credit up to $150,000 for short-term working capital
- •AI-powered underwriting — uses business data, not just credit score
- •Minimum 3 months in business — lower barrier than most lenders
- •Same-day funding available for qualified applicants
- •Strong accounting software integrations for easy invoice connection
- •Designed for cash flow gaps between invoices
Pros
- +Low minimum time-in-business requirement (3 months)
- +AI underwriting evaluates business health, not just personal credit
- +Same-day funding helps bridge urgent cash flow gaps
- +Integrates directly with major accounting and payment platforms
- +No collateral required for most lines of credit
Cons
- −Weekly fee structure makes total cost assessment less intuitive
- −Fees can be high relative to traditional term loans
- −Not available to non-US businesses
- −Maximum line of credit ($150K) lower than some competitors
- −Short-term repayment (12 weeks) may not suit all cash flow cycles
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See how Fundbox stacks up against Bluevine and OnDeck side by side.
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Reviewed by Finatune · Last updated 2026-07-12