If you’re a founder, you’re crazy for not using them. Bluevine wouldn’t accept us because we were large enough for reoccurring rev, (200,000 yearly income, 70+ rev) wasn’t able to take our loan like a... See more
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
The entire experience from funding to dashboard interface to the team is outstanding. It is rare to engage with a finance group that treats a small business with kindness, that SEES you and wants to h... See more
Company replied
I was behind on my taxes from a couple years of bad health problems which meant I didn't qualify for a number of traditional tools I was using (revolving business credit line). This filled the gap and... See more
Company replied
Jerrod C. on the payment team has been top notch! He has been willing to work with our company with all the ups and downs. He always follows though with what he says, and is constantly looking for ne... See more
Company replied
Company details
- #105 of 252 best companies in Non-Bank Financial Service
- #40 of 104 best companies in Financial Institution
Written by the company
Fundbox is a financial services platform powering the small business economy with innovative credit and payment solutions. We offer fast and intuitive access to business credit. Our goal is to unlock the potential of small businesses by giving them financial agility and peace of mind.
Fundbox Chosen As A 2019 Red Herring Top 100 North America Winner
Written by the company
Contact info
5760 Legacy Dr, Ste B3-535, 75024, Plano, United States
- (855) 572-7707
- support@fundbox
- fundbox.com
4.7
Excellent
4K reviews
Replied to 94% of negative reviews
Typically replies within 24 hours
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Portal easy to use and when I call up…
Portal easy to use and when I call up with questions the customer service reps are helpful, knowledgeable and supportive
November 14, 2025
Reply from Fundbox
Hi DK Freight Movers LLC, thank you for your kind review! We're happy to hear that you're finding everything easy to use, and that our Support Team has been able to assist when questions arise! We look forward to continuing to help grow your small business!
Quick and easy-to-use.
November 14, 2025
Reply from Fundbox
Hi Finesse T B LLC, thank you for your 5-star review! We're happy to hear you're finding everything easy to use, and funds arrive quickly! Thank you again for choosing Fundbox, we truly appreciate it!
They gave me a loan when nobody else…
They gave me a loan when nobody else would, I am able to afford the payments and build my credit.
November 13, 2025
Reply from Fundbox
Hi Billy, thank you for your kind review! We're happy to hear that Fundbox's line of credit has been helpful for your small business, and that we've been able to help you build credit! We look forward to continuing to help your small business thrive!
Phenomenal Business Tool
Fundbox continues to provide excellent service and is an invaluable tool for our business!
November 12, 2025
Unprompted review
Reply from Fundbox
Hi Alisha, thank you for such a positive review! We're happy to hear Fundbox has been such a valuable asset to your small business, and that our Support Team has been helpful when needed! We truly appreciate you choosing Fundbox to help grow your small business!
Reply from Fundbox
Hi Joe, thank you for your 5-star review, and kind words about Moosa; we'll be sure this feedback is passed along! We're happy to hear that Moosa was quick to help you out! We truly appreciate you choosing Fundbox!
Looks like all reviews but for money in…
Looks like all reviews but for money in India. LOL.
November 8, 2025
Unprompted review
Receive funds fast!
November 6, 2025
Reply from Fundbox
Hi Carem, thank you for your 5-star review! We strive to get funds to our customers as quickly as possible, and we're happy to hear that we've done just that! Thank you again for choosing Fundbox, we truly appreciate it!
Good Company
July 11, 2025
Reply from Fundbox
Hi Rentals at Springbranch LLC, thank you for your positive review! We're happy to hear you're having a great experience, and Fundbox has been an asset to your business! We look forward to helping you continue to meet your small business goals!
Great customer service
Great customer service. Lots of security to access your information, but I appreciate that.
November 5, 2025
Unprompted review
Reply from Fundbox
Hi Abby, thank you so much for your kind review! We're happy to hear that you've had a positive experience with our Support team! We appreciate you choosing Fundbox to help you meet your small business goals!
Very professional and very knowledgeable
Very professional and very knowledgeable
November 4, 2025
Unprompted review
Reply from Fundbox
Hi Alex, thank you for your kind review! We're happy to hear you've had a pleasant experience with our Support Team! We truly appreciate you choosing Fundbox to help grow your small business!
great company to work with
April 11, 2025
Reply from Fundbox
Hi Frank, thank you for your 5-star review! We're happy to hear you're having a great experience! We look forward to continuing to help grow your small business!
Reply from Fundbox
Hi LNAP Pro Image LLC, than you for your kind review! We're happy to hear you're finding everything quick and easy to use! Thank you again for choosing Fundbox, we truly appreciate it!
The ability to pay back and borrow as…
The ability to pay back and borrow as needed to help with my business.
November 3, 2025
Reply from Fundbox
Hi Mesh, thank you your kind review! We're happy to hear Fundbox is a helpful tool for your small business! We look forward to continuing to help you meet your small business goals!
Reply from Fundbox
Hi The Spot Choice LLC, thank you for your 5-star review! We're happy to hear you're having a great experience! We truly appreciate you choosing Fundbox to help grow your small business!
Dear Sir or Madame,
Dear Sir or Madame,
I came to Fundbox looking for quick working capital to bridge a gap in receivables, drawn in by the promise of rapid approval based on my accounting software and bank history. While the process was indeed fast, the experience quickly devolved into a nightmare centered on opaque fees and a crushing repayment structure and looking at my earnings of $621,450 to justify increase warranted.
The initial offer seemed reasonable, but the true cost of borrowing became immediately apparent after funding. Fundbox primarily uses a "Factor Fee" model, which is effectively interest disguised as a one-time fee, but the annualized percentage rate (APR) is astronomically high when you factor in the incredibly short repayment windows—often just 12 or 24 weeks.
Key Issues & Red Flags:
Opaque Pricing and Cost Creep: The way the Factor Fee is presented makes it extremely difficult to compare the true cost against a traditional loan or even other lines of credit. What looks like a manageable 7-9% fee for a short term quickly translates into a suffocating cost of capital.
Aggressive Weekly Repayments: The weekly repayment schedule is relentless. Even a small cash flow dip can make these fixed payments a massive burden, often forcing small businesses into a continuous cycle of re-borrowing to cover the payments on the existing loan—a dangerous debt trap.
Customer Service Black Hole: When issues arose regarding repayment dates or understanding the complex fee structure, getting a hold of a responsive, knowledgeable human was nearly impossible. The support felt entirely automated and unhelpful, leaving me scrambling to resolve issues that threatened my business standing.
Qualification Bait-and-Switch: I received initial pre-qualification for a higher amount, only to have the final approved amount drastically cut with little explanation, all while retaining the high-fee structure.
Conclusion:
Fundbox is designed for speed, not for sustainable business finance. If you absolutely need emergency cash and are 100% certain you can pay it back within the very short, inflexible terms, it might work. However, for serious working capital needs, the fees and the aggressive repayment timeline make this a dangerous option. I strongly advise exploring other lenders with transparent APRs and more flexible repayment plans before subjecting your business to the Fundbox model.
October 31, 2025
Unprompted review
Reply from Fundbox
Hi Marc, thank you for providing this feedback; we'll be sure this is shared with relevant stakeholders. Our team will be in touch soon with additional information.
Abrupt Credit Line Reduction
Initially, the Fundbox line of credit was helpful in supporting my business expansion as I neared the completion of a project that would boost my monthly revenue by $5k. However, the line was suddenly reduced without prior notice, leaving me unable to make necessary arrangements. I was already working with a limited line from my original request and having it lowered further was completely unexpected.
October 30, 2025
Unprompted review
Reply from Fundbox
Hi Tabitha, thank you for sharing this feedback. While we're happy to hear Fundbox had been helpful, we're sorry to hear the line reduction has put you in this position. Please email feedback@fundbox.com with the email address associated with your account, and we'd be happy to look into this further.
Reply from Fundbox
Hi FiveNine Corp, thank you for your kind review! We're happy to hear you're having a great experience, and are finding everything easy to use! We appreciate you choosing Fundbox to help grow your small business!
Jerrod C
Jerrod C. on the payment team has been top notch! He has been willing to work with our company with all the ups and downs. He always follows though with what he says, and is constantly looking for new ways to assist. In addition all the other members on the team, that I've encountered have been very professional and helpful as well!
October 29, 2025
Unprompted review
Reply from Fundbox
Hi KW, thank you for your 5-star review, and kind words about Jerrod; we'll be sure this feedback is passed along! We're happy to hear that Jerrod, and others on our Payments Team, have been so helpful, and have continued doing everything possible to help! We truly appreciate you choosing Fundbox, and look forward to helping your small business continue to thrive!
Reply from Fundbox
Hi Craig Williams and Partners LLC, thank you for your positive review! We're happy to hear you're having a great experience, and we've been there for you when those cashflow needs arise! We look forward to continuing to help you grow your small business!
Sabigh was absolutely amazing
Sabigh was absolutely amazing! He was so helpful and great to work with.
October 28, 2025
Unprompted review
Reply from Fundbox
Hi there, thank you for your 5-star review, and kind words for Sabigh; we'll be sure this feedback is passed along! We're happy to hear Sabigh was able a pleasure to work with, and was able to help you out! Thank you again for choosing Fundbox, we truly appreciate it!
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