Lili Partners with Fundbox to Embed Business Credit Directly Into Its Banking Platform

Fundbox is powering Lili Capital, a fully embedded credit experience built for the 200,000+ small business owners who trust Lili with their finances, and a clear demonstration of what's possible when the right capital infrastructure meets the platforms small businesses already use.

For small business owners, timing is everything. A hiring decision, a bulk inventory order, a new growth opportunity, these moments don't wait for capital to catch up. Yet the traditional process of applying for business credit is slow, fragmented, and completely disconnected from the financial tools businesses use every day. Lili Capital in partnership with Fundbox is built to change that.

Why Small Business Owners Can't Access Capital Fast Enough

According to a recent Goldman Sachs survey, 81% of small business owners found the credit application process challenging. Nearly half were forced to pause expansion plans due to lack of access to capital. More than half said current interest rates make traditional loans unaffordable.¹

But here's what those numbers don't fully capture: a huge portion of those businesses weren't declined. They gave up before finishing. The paperwork, the context-switching, the uncertainty, it wore them down. The problem wasn't creditworthiness. It was an experience.

That's the problem Lili asked Fundbox to help solve.

How Embedded Business Credit Works Inside the Lili Platform

Lili is an award-winning online business banking platform built for growth-ready small businesses in the U.S. When a Lili customer opens the Lili Capital tab in their dashboard, something different happens: Fundbox's underwriting engine already has what it needs.

Lili's verified business identity, financial account data, and transaction history flow directly into Fundbox's prequalification model, in real time, before the customer fills out a single field. Pre-qualified customers see a personalized credit offer within minutes. Non-pre-qualified customers aren't turned away, they can still apply and connect additional financial data to be considered. Nobody starts from zero.

If approved, funds draw directly into the customer's Lili account. No new logins. No separate dashboard. No re-entering information Lili already has.

"Lili has built something genuinely trusted by its customers, and embedding Fundbox's credit infrastructure directly into that experience is exactly how we believe access to capital should work," said Anchit Singh, Chief Business Officer at Fundbox. "We're proud to be powering this next chapter for Lili's customers and look forward to helping more small businesses move faster."

Small Business Financing Options Available Through Lili Capital

What makes Lili Capital distinct is its scope. Fundbox embeds the revolving line of credit at the core of the experience, and Lili has built a broader partner network alongside it for SMBs that are looking for other products outside a revolving line of credit to match customers with the right type of financing for their situation.

"Access to capital is one of the biggest challenges that small business owners face," said Lilac Bar David, Co-Founder and CEO of Lili. "By embedding credit solutions directly into the Lili platform, we're making it easier for our customers to access flexible funding options with more speed and clarity so they can keep moving their business forward."

The result is a capital experience that matches the customer to the right product, not just the only product available.

The Future of Embedded Business Financing for SMBs

Embedded finance gets talked about a lot as a growth strategy for platforms. But its real promise is simpler: it lets a business owner stay in the flow of running their business, instead of stepping out of it every time they need capital.

Lili customers already use their platform to understand their cash flow, file their taxes, and manage their money. Adding credit to that picture, credit that already knows their account history, doesn't require redundant verification, and deposits funds in the same place, is what it looks like when infrastructure finally catches up to the need.

As Lili continues to grow, moving upmarket to serve more multi-employee small businesses, the capital infrastructure underneath Lili Capital grows with it. More data. Better decision making. Wider access. Since 2013, Fundbox has helped over 170,000 small businesses unlock more than $6.5 billion in capital. Lili Capital is the next step in that trajectory, proof that when credit infrastructure meets the platforms small businesses already trust, the impact compounds.

Building for the small business economy? If capital belongs in your product roadmap, let's talk about what Fundbox can power for you →

Learn more about Lili at lili.co, or read the official press release.