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.

Introducing: Repay with a credit card.

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Peace of mind

Gain confidence that your most important expenses can be paid on time.

More time to pay

Get 3 extra business days to repay—with no fees when you pay by ACH, or a small processing fee when you pay by credit card.

Repayments your way

Repay Fundbox within the 3-day grace period or the outstanding amount will automatically continue as a draw on your credit line.

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.

Introducing credit card repayments!

Starting October 13, 2021, you’ll have another way to repay. Use your credit card during the 3-day grace period (processing fee applies).

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, and more.

How do I repay?

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

Are there fees to repay with a credit card?

Yes, there is a small processing fee when repaying with a credit card.

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, the outstanding balance will automatically continue as a draw on your credit line. 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 Flex Pay transactions up to 1.5x your line of credit amount. If you repay the full outstanding 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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