Provider profile · 2026 edition
Fundbox review 2026: scores, fees and alternatives.
A US credit platform offering six financing products directly and through partner software.
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A US credit platform offering six financing products directly and through partner software.
Fundbox is ranked in 2 Buckingham Intelligence indices. Its highest score is 1.4 out of 5 (28 out of 100) in the Revenue-Based and Working Capital Finance Index, where it ranks 11 of 12. It is strongest for platforms and small businesses in four countries wanting the widest product range, with 5 out of 5 for product range. Not published or not stated on the pages read: pricing and limits and published eligibility.
Also ranked in: Invoice Finance and Factoring Index (1.2 out of 5, rank 10 of 10).
Scores from the Invoice Finance and Factoring Index and Revenue-Based and Working Capital Finance Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For online and retail brands | 30 | 11 of 12 |
| For software and subscription firms | 22 | 11 of 12 |
| For small businesses and merchants | 32 | 11 of 12 |
No award in the Invoice Finance and Factoring Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For small B2B suppliers | 16 | 10 of 10 |
| For mid-sized firms | 28 | 10 of 10 |
| For payment and fintech firms | 28 | 10 of 10 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
Platforms and small businesses in four countries wanting the widest product range.
Small businesses in four countries wanting invoice funding next to other credit.
What Fundbox publishes on its own pages, read on 26 October 2026.
A US credit platform offering six financing products directly and through partner software. It publishes the widest product range in this edition, four countries, its lending banks and a California lending licence number. It publishes no prices, limits, eligibility minimums or borrower terms on the pages read.
| Fact | What the provider publishes |
|---|---|
| Products | Line of Credit, Term Loan, Invoice Financing, Revenue Based Financing ("repaid as a share of ongoing sales"), Purchase Financing and an SMB Card. |
| Countries | "Fundbox is available in the United States, Canada, the United Kingdom and Australia." |
| Lenders | "business loans and lines of credit originated by First Electronic Bank or Lead Bank." |
| Licence | "California Financing Law license 60DBO-48774". |
| Partners | Platforms can "launch a capital product in your platform" in "as little as two weeks"; API documentation published. |
| Pricing and limits | Not published on the pages read; "All financing is subject to credit approval of a completed application." |
| Date read | 26 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 26 October 2026 from: fundbox.com/get-credit, fundbox.com/disclaimers.
A US credit platform whose invoice financing lets businesses draw against open invoices up to a credit limit and choose repayment terms per invoice, alongside lines of credit and loans. It names its lending banks and a California licence number. It publishes no fees, advance rate, funding time or contract terms on the pages read.
| Fact | What the provider publishes |
|---|---|
| Product | Invoice Financing: customers draw against eligible open invoices up to their credit limit, with repayment terms chosen per invoice. |
| Other products | Line of Credit, Term Loan, Revenue Based Financing, Purchase Financing and an SMB Card. |
| Countries | "Fundbox is available in the United States, Canada, the United Kingdom and Australia." |
| Lenders | "business loans and lines of credit originated by First Electronic Bank or Lead Bank." |
| Licence | "California Financing Law license 60DBO-48774". |
| Pricing and advance | Not published on the pages read. |
| Date read | 26 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 26 October 2026 from: fundbox.com/get-credit, fundbox.com/disclaimers.
Each score with the evidence behind it.
Each criterion is scored 0 to 5 against the best published offer in the Revenue-Based and Working Capital Finance Index. 0 means not offered or not published. How it is scored
Each criterion is scored 0 to 5 against the best published offer in the Invoice Finance and Factoring Index. 0 means not offered or not published. How it is scored
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Clearco | 3.4 | 1 of 12 | US online brands with over $100,000 monthly revenue wanting clear borrower terms |
| iwoca | 3.1 | 2 of 12 | UK limited companies wanting a representative APR and money within hours |
| Bluevine | 3.0 | 3 of 12 | US companies with 12 months' trading wanting a line of credit next to a business account |
| Liberis | 2.9 | 4 of 12 | UK merchants wanting a published representative cost and a range of advance sizes |
| Wayflyer | 2.6 | 5 of 12 | Online and retail brands in 11 countries wanting a single fixed fee |
| Stripe Capital | 2.5 | 6 of 12 | Businesses already processing payments on Stripe in six countries |
| Lighter Capital | 2.2 | 7 of 12 | Software and technology firms in the US, Canada and Australia with $200,000 or more recurring revenue |
| Founderpath | 2.1 | 8 of 12 | Software firms with $1m to $3m recurring revenue wanting money within a day |
| Funding Societies | 1.9 | 9 of 12 | Small firms in Singapore and South East Asia wanting a range of unsecured loans |
| Capchase | 1.9 | 10 of 12 | Software and subscription firms wanting a revolving limit tied to recurring revenue |
| Shopify Capital | 1.1 | 12 of 12 | Shopify merchants in nine countries |
Full Revenue-Based and Working Capital Finance Index ranking
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Defacto | 2.8 | 1 of 10 | French firms wanting confidential single-invoice funding with no contract |
| FundThrough | 2.6 | 2 of 10 | US and Canadian suppliers wanting published fees and no obligation to fund every invoice |
| Earlypay | 2.6 | 3 of 10 | Australian firms, including start-ups, wanting a published rate range |
| Ultimate Finance | 2.5 | 4 of 10 | UK B2B suppliers wanting a high advance and a fast set-up |
| Riviera Finance | 2.0 | 5 of 10 | US and Canadian small firms wanting the factor to carry the credit risk |
| altLINE | 1.9 | 6 of 10 | US businesses wanting factoring from a bank with itemised fees |
| KredX | 1.9 | 7 of 10 | Indian suppliers to large companies wanting competing bids from financiers |
| Skipton Business Finance | 1.8 | 8 of 10 | UK firms with sales up to £30m wanting confidential discounting |
| eCapital | 1.7 | 9 of 10 | Larger US, Canadian and UK firms needing big facilities and fast funding |
Side by side on every criterion, fact and award.
Head-to-head comparisons cover pairs within the top five of each ranking. Fundbox is compared with its alternatives in the table above.
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