# Fundbox

Source: https://businessloanbroker.ai/lenders/fundbox/
Site: BusinessLoanBroker.ai (powered by Levr)

> Fundbox offers US small businesses a line of credit or term loan up to $250,000 with 12 or 24 week repayment and no early repayment fees. See who fits.

Fundbox is a US fintech that provides small, fast working capital to established small businesses. It funds an unsecured line of credit and term loan up to $250,000, repaid over 12 or 24 weeks with no early repayment fees, and it excludes gambling, cannabis, firearms, money services and nonprofits.

## Key facts
- **Products:** Business line of credit, business term loan
- **Funding range:** Up to $250,000
- **Repayment:** Revolving line or term loan, 12 or 24 week draw repayment, no early repayment fees
- **Security:** Unsecured
- **Operates in:** United States
- **Industries:** Broad small business; excludes gambling, cannabis, firearms, money services and nonprofits
- **Founded and headquarters:** 2013, Plano, Texas

## What does Fundbox offer?

Fundbox offers a revolving [line of credit](https://businessloanbroker.ai/business-loans/line-of-credit/) and a [term loan](https://businessloanbroker.ai/business-loans/term-loans/), both up to $250,000 and both unsecured. Each draw on the line is repaid over 12 or 24 weeks in equal weekly payments, and there are no fees for repaying early, so you only pay for the weeks you use. Loans are originated by partner banks. Its website is fundbox.com. Fundbox publishes more than $6 billion deployed to over 170,000 small businesses, as a company figure, and announced expansion into Australia in early 2026.

## Who does Fundbox fund, and who do they decline?

Fundbox funds established US small businesses across most industries. Its published exclusions are gambling, cannabis, firearms, money services and nonprofits. It does not publish a revenue or credit minimum on the profile.

The 12 or 24 week repayment means each draw is paid back quickly, so it suits short gaps such as a payroll crunch or an inventory buy before a busy month, not a multi year project. A business that needs more than $250,000 or a longer term should compare [Backd](https://businessloanbroker.ai/lenders/backd/) or [Bluevine](https://businessloanbroker.ai/lenders/bluevine/). Businesses outside the United States are not eligible.

## What does it typically cost and how fast is it?

Fundbox does not publish rates; pricing is quoted per file as a fee on each draw. Because repayment is only 12 or 24 weeks, a small weekly fee can equal a high annual rate, so convert it with our [APR versus factor rate](https://businessloanbroker.ai/guides/apr-vs-factor-rate/) guide and compare with the typical range on our [line of credit](https://businessloanbroker.ai/business-loans/line-of-credit/) page. The no early repayment fee is a real saving if you can clear a draw in a few weeks. Funding speed is not published beyond a general claim of fast.

## What will you need to apply?

Fundbox typically connects to your business bank account or accounting software rather than asking for PDFs, so have your online banking login or your accounting platform ready, along with your EIN, formation documents and owner ID. Our [document checklist](https://businessloanbroker.ai/guides/document-checklist/) covers the standard items if you prefer to upload once.

## How does Fundbox compare with similar lenders?

[Bluevine](https://businessloanbroker.ai/lenders/bluevine/) offers a line up to $250,000 with weekly or monthly payments, plus a term loan to $500,000, SBA 7(a) loans and business banking, so it covers more ground. [Headway Capital](https://businessloanbroker.ai/lenders/headway-capital/) offers a line up to $100,000 with 12 to 24 month terms and non compounding interest, which spreads repayment over a longer period. Fundbox's edge is the very short draw repayment with no early payoff fee, ideal for gaps you can close within a few months.

## How to apply

Apply once on this site and matching shows whether Fundbox, or a similar lender, fits your file. You can also ask your AI assistant to collect your documents and apply for you through our [MCP server](https://businessloanbroker.ai/agents/). A profile in this directory is a market reference and does not by itself mean the lender is on our network for your file; matching shows the lenders available to you.

| Lender | Products | Funding range | Operates in | Best suited for |
|---|---|---|---|---|
| Fundbox | Line of credit, term loan | Up to $250,000 | United States | Established US businesses needing fast, flexible working capital up to $250,000 |
| Bluevine | Line of credit, term loan, SBA 7(a) | Up to $500,000 | United States | Growing US businesses wanting banking and working capital together |
| Headway Capital | Line of credit | Up to $100,000 | United States, 41 states plus DC | Established US businesses above $50,000 revenue wanting revolving credit over a lump sum |

## Questions and answers
**Is there a fee to pay Fundbox early?**

No. Fundbox publishes no early repayment fees, so clearing a draw ahead of the 12 or 24 week schedule reduces what you pay.

**How long do I have to repay a draw?**

12 or 24 weeks, as published, in equal weekly payments. Each draw has its own schedule.

**Which industries does Fundbox exclude?**

Gambling, cannabis, firearms, money services and nonprofits, as published. Other industries are considered on their merits.

## Related
- [Bluevine](https://businessloanbroker.ai/lenders/bluevine/)
- [Headway Capital](https://businessloanbroker.ai/lenders/headway-capital/)
- [Business lines of credit](https://businessloanbroker.ai/business-loans/line-of-credit/)
- [Short term business loans](https://businessloanbroker.ai/business-loans/short-term-loans/)

## Apply
Apply for the business: https://apply.businessloanbroker.ai/signup?utm_source=direct&utm_medium=organic&utm_content=md-lender-fundbox
MCP server for AI agents: https://mcp.businessloanbroker.ai/mcp (docs: https://businessloanbroker.ai/agents/mcp/)