Frequently asked questions

Fundbox is an embedded capital platform for small businesses. We use machine learning to help simplify the approval process, offer fast funding decisions, and keep pricing transparent.

Our goal is to connect businesses with access to the credit they need, when they need it, so they can buy more, sell more, and grow. Our proprietary risk technology assesses business performance holistically, leading to faster credit approvals for more businesses.

Whether you're a small business looking for fast, flexible access to capital, or a platform looking to offer embedded capital products to your customers, Fundbox is here to help. Reach out to see how Fundbox can support your business—or your platform’s customers.

I’m a business
I’m a platform

Generally, you’ll know within minutes, but it can take up to 24 hours or longer in some cases.

Funds are available to draw as soon as you’re approved and should arrive in your bank account within 2 business days.

You will need a business checking account with at least 3 months of transactions.

You may be asked to provide additional information or documentation. Should this be needed, you’ll receive a notification letting you know what’s needed.

As a soft pull is performed during the application process, your credit score should not be impacted. If approved, at the time of your first draw, a hard pull will be performed, which may impact your credit score.

Fundbox uses a third party data provider, Plaid, to initially connect, and remain connected with your bank account. Should you become disconnected for any reason, you will be notified via email.

Yes, Fundbox reports to the Small Business Financial Exchange (SBFE), which shares data with all 3 major business credit bureaus: Experian, Equifax, and Dun&Bradstreet.

We’re here to help. You can always send us an email at support@fundbox.com or give us a call at (855) 572-7707, Monday-Friday, 8am to 7pm ET.

Fundbox delivers fast, flexible capital products that support small businesses across the cash flow cycle—from managing payables to accounts receivables. Check out our entire product suite.

Fundbox offers flexible integration options from quick setups to fully embedded solutions using APIs, SDKs, and other developer-friendly tools.

We adapt to your timelines. We match your speed and support you every step of the way.

Yes. We provide hands-on support and have launched embedded products in as little as two weeks.

Yes. Fundbox offers a fully white-labeled experience, allowing you to tailor the look and feel to match your brand from visual design to messaging.

Fundbox ingests a wide variety of data from its partners, including but not limited to cashflow data found in bank accounts, payments and/or invoicing transactions. Additionally, we have the ability to ingest unique data from our partner platforms to include in our underwriting models.

Fundbox supports both mobile and desktop.

Yes. Fundbox reports to the Small Business Financial Exchange (SBFE), which shares data with all major business credit bureaus, helping your customers build their business credit history.

Fundbox serves small businesses across a wide range of industries, verticals, and platforms throughout the SMB economy.

Fundbox can fully handle both risk and servicing, making it simple for partners. If preferred, partners can also choose to take on some level of risk and servicing themselves, but it’s not required.