Fundbox has won the Excellence in Artificial Intelligence category of the 2026 Experian Vision Awards. The award recognizes our approach to underwriting small business financing: combining AI, real-time business activity, and credit data to make faster, more informed decisions.
Seeing more of the business
A small business’s credit profile is just one part of its story. Revenue may be seasonal, cash flow can change week to week, and day-to-day business performance can provide additional insights into a company’s overall position.
Fundbox’s underwriting engine looks at banking, accounting, and payment activity alongside Experian consumer and commercial credit data. Business activity helps us understand how a company is operating today; credit data adds insight into how the business and its owner have managed credit over time. Together, they provide a fuller picture than either source alone.
This approach to underwriting helps our platform partners offer embedded capital that fits the businesses they serve. They can offer financing in their own customer experience, with decisions fast enough to meet businesses in the moment they need capital. Fundbox manages the underwriting behind the scenes.
The results are measurable: credit decisions take less than 60 seconds, and 98% of applications require no human review. Since January 2024, this approach has helped Fundbox approve more than 50,000 new customers and support approximately $2 billion in originations.
We’re grateful to Experian for the recognition and proud of the teams who continue to improve how we evaluate and serve small businesses. The goal remains simple: help our partners offer capital that meets businesses where they are, when they need it.
