Spend now, pay later

If you have a Fundbox Line of Credit, use your Flex Account to pay important business expenses. You’ll get 3 extra business days to pay—with no fees.

Coming soon: Repay with a credit card.

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Peace of mind

Confidence that your most important expenses can be paid on time.

More time to pay

3 extra business days to pay with no fees when you pay by ACH.

Repayments your way

Repay Fundbox with your primary bank account or by credit card—or a draw from your credit line will be created automatically.

How it works

  • 1. Get your Flex Account details

    Once you’ve logged in and signed the Flex Pay Terms and Conditions, your newly created Flex Account details will be available in your dashboard. Simply copy the account and routing numbers and paste them into your vendors’ payment platforms. We’ll use your Flex Account to pay your expenses when we receive the ACH request from your vendors.

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Where to use your Flex Account routing and account numbers

To replace online bill pay

To replace online bill pay

If you pay using your bank’s online bill pay feature, you can instead pay the vendor directly using your Flex Account details.

To pay invoices

To pay invoices

If your invoices ask for ACH details, use your Flex Account number and routing numbers in place of your business bank account details.

To pay with PayPal or Venmo

To pay with PayPal or Venmo

If you pay with a digital payment app, simply add your Flex Account number and routing number as your payment method and follow the confirmation instructions, or automatically connect with your Fundbox username and password. (Digital payment app terms may apply.)

To cover payroll

To cover payroll

If you’re using Flex Pay for payroll, swap your current business bank account details with your Flex Account number and routing number or automatically connect with your Fundbox username and password.

Credit card repayment—coming soon!

Starting in October 2021, you’ll have another way to repay with the option to use your credit card during the 3 business day grace period.

Frequently asked questions

What are the common ways customers use Flex Pay?

Customers use Flex Pay for important business expenses they do not want to (or cannot) put on a credit card. Flex Pay can be used for payroll, insurance, taxes, raw materials, inventory, leases, credit card balances, and more.

How do I repay?

You can repay directly from your dashboard using your connected bank account. If you repay within the 3-day grace period, there are no fees. Otherwise, a draw will automatically be created on your line of credit—up to your available credit limit.

Coming soon: We’re adding a new repayment option to Flex Pay. Starting in October 2021, you will have the option to repay us with your credit card during the 3 business day grace period.

Will there be fees to use a credit card?

Yes, there will be a small processing fee when repaying with a credit card. However, we’ll be running a promotional period, and all processing fees will be waived through October 31, 2021.

What if I do not have enough available credit when it’s time to repay?

If you do not repay before the end of the 3-day grace period, a draw will be automatically created (up to your available credit limit). If you do not have enough credit to cover the entire Flex Pay transaction, we will debit the difference from your connected business bank account.

My expense is more than my line of credit amount. Can I still use Flex Pay?

Yes, we’ll work with you to give you some extra spending power. We’ll cover up to 1.5x your line of credit limit in expenses. If you repay the amount within the 3-day grace period, your line of credit will not be impacted. You’ll also be able to use your line of credit simultaneously.

“Flex Pay has helped me keep up with my expenses and payroll any time that I've fallen short. I'm very happy at what I've been able to achieve for my business while using this product. Thanks again, Fundbox!”
Jaurice Payne, JP Transfer, LLC
Jaurice Payne

Want to learn more?

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Are you an existing Flex Pay customer? Contact beta@fundbox.com for any further help or questions.
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