See RatesSecure site · Updated July 2026
- Loan amount
- $1K–$150K
- Starting rate
- 4.66% (12-wk fee)
- Min. time in business
- 6 months
- Funding speed
- Next business day
Why it stands out
Fundbox highlights
- Line of credit up to $150,000
- Qualifies businesses with six months of operating history
- No fees, penalties, or charges until you draw
- Connect your bank or accounting software for instant review
The verdict at a glance
Pros and cons
Pros
- Low bar to entry for young companies and lower credit scores
- Clear, weekly repayment with no hidden costs
- Waives remaining fees when you repay a draw early
Cons
- Maximum draw is smaller than most competitors
- Short 12- to 24-week terms mean higher weekly payments
- Weekly automatic debits require steady cash flow
Our full review
Our take on Fundbox
Fundbox approves lines of credit for businesses with just six months of history and a 600 credit score, filling a gap most lenders ignore. Balances are repaid in fixed 12- or 24-week terms, and there are no fees until you actually draw funds.
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Figures shown are illustrative editorial examples and may change. Confirm current rates, fees, and terms on Fundbox’s own site before you apply.
The alternatives
How Fundbox compares
Other top-rated lenders in Business Loans. Compare the numbers side by side before you decide.
| # | Provider | Rating | Loan amount | Best for | |
|---|---|---|---|---|---|
| 1 | OnDeck | $5K–$250K | Established firms needing fast working capital | See Rates | |
| 2 | Bluevine | $6K–$250K | Businesses that want revolving capital | See Rates | |
| 3 | Lendio | $1K–$5M | Owners who want to weigh many offers | Get Quote | |
| 4 | Fora Financial | $5K–$1.5M | Owners with weaker personal credit | See Rates |
- OnDeck4.9Best for Established firms needing fast working capital
- Bluevine4.8Best for Businesses that want revolving capital
- Lendio4.5Best for Owners who want to weigh many offers
- Fora Financial4.3Best for Owners with weaker personal credit