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Fundbox — The capital layer behind the small business economy

Global capital funded$7,000,000,000

Fast, flexible fundingbacked by 12+ years of proven experience

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Trusted by our partners & small business customers

  • 8am
  • Autobooks
  • Bluevine
  • C2FO
  • Cantaloupe
  • Coupa
  • FreshBooks
  • GoDaddy
  • Housecall Pro
  • Improveit 360
  • Intuit
  • Invoice Simple
  • Joist
  • Lendio
  • MarketSharp
  • Nav
  • QuickBooks
  • Relay
  • Service Fusion
  • SoFi
  • Stripe
  • Synchrony
  • Wave
  • ZenBusiness
  • Zoho

Unlock growth with built-in capital

Expand what your platform can offer with capital products designed around how your businesses operate.

Product Suite

Products across the cash-flow cycle

Capital infrastructure

End-to-end capabilities, right out of the box

$7B+
total capital funded
99%
automated underwriting
40+
partners supported

PRODUCTS

Make capital a core offering in your platform

6+ products

to meet your customers’ needs

Launch with Fundbox

  • Line of Credit

    Customers draw what they need, and every payment frees up credit to draw again.

  • Term Loan

    A one-time loan with a fixed term and fixed payments. The full cost is clear before they accept.

  • Invoice Financing

    Customers draw against eligible open invoices up to their credit limit. Repayment terms are chosen per invoice, so funding lines up with when that invoice actually gets paid.

  • Revenue Based Financing

    A one-time advance repaid as a share of ongoing sales, so payments move with the business.

  • Purchase Financing

    Funding that offers businesses the ability to cover any purchase or expense, from inventory to payroll.

  • SMB Card

    A card issued to be used on purchases up to a designated credit limit. Each purchase draws on the limit and carries its own payment terms, so a business isn't managing one running balance.

PLATFORM BENEFITS

Help businesses move forward. Keep your platform at the center.

Launch or expand your capital offering with flexible products, modular modern infrastructure, and over a decade of proven SMB lending expertise.

  • Launch fast

    2weeks

    to launch a capital product in your platform.

  • Strengthen customer retention

    94%

    of businesses stay. Platforms report businesses that took a loan were still with the platform after 6 months.

  • Increase your recurring revenue

    $65M

    of revenue share payments made directly to partners.

Frequently Asked Questions

Have questions about terms, compliance, or developer infrastructure integrations? We are here to support.

What capital products can platforms offer with Fundbox?

Platforms can offer a full suite of embedded capital products through Fundbox. This includes revenue-based financing and invoice financing for Receivables Capital; lines of credit and term loans for Working Capital; and business cards, purchase financing for Spend Capital. Partners can start with one product or expand to multiple products over time without separate integrations or rebuilding their capital infrastructure.

How does Fundbox integrate with a partner’s platform?

Fundbox powers partners via APIs and configurable, white-labeled technology to embed financing directly into their platforms. Partners can integrate the complete customer journey; from prequalification, application, funding and account management; or select components that fit their existing infrastructure’s needs.

What does Fundbox manage for embedded financing partners?

Fundbox can manage an embedded financing program end-to-end, including all UX, underwriting, credit decisioning, capital markets, compliance, legal, originating, repayments, servicing, and customer support. This allows platforms to offer financing without building and operating the underlying lending infrastructure themselves.

Do platforms need to provide capital or take on credit risk themselves?

No. Platforms do not need to provide their own capital or take on credit risk to offer financing through Fundbox. Fundbox can provide the capital and manage underwriting, funding, and credit risk end-to-end. For platforms that want to leverage their own capital, Fundbox can support that structure as well.

How quickly can a platform launch embedded financing with Fundbox?

A platform can launch a Fundbox-powered financing product in as little as two weeks, depending on the product, integration, and level of customization. Fundbox’s modular infrastructure can support both new program launches and the expansion of existing programs.

How is Fundbox different from other embedded financing providers?

Fundbox gives platforms more ways to build the financing program they need. With 6+ financing products, 12+ years of experience underwriting small businesses, and modular infrastructure, Fundbox can adapt to a platform’s customers, data, workflows, and funding model. Since 2013, Fundbox has helped businesses unlock more than $7 billion in capital.

STORIES

Embedded capital in action

Discover how partners use Fundbox to increase retention, expand access, and create new revenue.

Still have questions?

Talk to our team about bringing embedded capital to your platform.

Contact us

Ready to get started?

Unlock growth with built-in-capital

Launch with Fundbox