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Home / Money & Finance / Business Loans / Fundbox
8.2 Tested Aug 22, 2026 by Team RankingRight

Fundbox (Line of credit) review 2026

The lowest bar in the ranking — six months trading, a 600 score, $30,000 revenue — with a decision in minutes off your accounting or bank data

Fundbox Fundbox
Manufacturer product image from fundbox.com, used to illustrate our review of the product; copyright remains with the manufacturer.
PriceFrom $0 · checked Sep 11, 2026
Typical APR35–70%
Minimum credit score600

Is the Fundbox Worth It?

Easiest to qualify for. Fundbox will lend to businesses nobody else on this page will touch, and that access is genuinely valuable. Convert the weekly fee to an APR before you accept it.

Fundbox Pros & Cons

Pros
  • Six months in business and $30,000 revenue — the lowest requirements here
  • Connects to your accounting software or bank and decides in minutes
  • No fee to keep the line open when you are not drawing
  • Paying early cuts the remaining fees
Cons
  • Quoted as a weekly fee percentage rather than an APR; the true annual cost is high
  • Maximum 24 weeks to repay — short
  • Weekly automatic repayments

Fundbox at a Glance

8.2 Editor Score
True cost of borrowingThe APR, not the factor rate or the "fee" — we converted every offer to an annual rate on the same $100,000 over 24 months, and counted origination, draw and prepayment charges.
18/30
Who can qualifyMinimum credit score, time in business and revenue, and whether a personal guarantee or lien is required.
26/25
Speed & processApplication length, documents required, time to decision and time to funds in our tests of the public process.
15/15
Terms & flexibilityAmounts, term lengths, repayment frequency, and whether paying early saves you money.
11/15
TransparencyWhether rates and fees are published before an application, and how clearly the total repayment is shown.
12/15
Reader ratingNo reader ratings yet — not part of the score
–

Rubric v1: True cost of borrowing 30 · Who can qualify 25 · Speed & process 15 · Terms & flexibility 15 · Transparency 15. Score = Σ ÷ 10, locked Sep 11, 2026. How we rank.

Where to buy — prices checked Sep 11, 2026

Fundbox — $0

Best priceVisit Site

Fundbox specifications

Typical APR rangeAbout 35%–70% APR equivalent
AmountsUp to $150,000
Minimum credit score600
Minimum annual revenue30000 USD
Minimum time in business6 months
Time to fundsNext business day
SBA lenderNo
Publishes ratesFee percentage, not APR
Personal guaranteePersonal guarantee required

Why it scored 8.2

Fundbox will lend to businesses nobody else on this page will touch, and that access is genuinely valuable. Convert the weekly fee to an APR before you accept it.

Where it loses

True cost; short terms.

Still the right pick for

Young businesses with thin credit.

What owners say

No reader ratings yet. This block fills in from real submissions only — we never write, buy or generate reader reviews, and none of them touch the editor score.

Changelog: Sep 11 — rank 5 → 6; Sep 11 — rank 4 → 5 · all changes

Fundbox8.2 · $0
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