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These vendors offer business lines of credit similar to Fundbox, but each also has a distinct advantage that sets it apart.
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Fundbox offers quick access to flexible, short-term lines of credit for small businesses, and is one of our favorite lenders here at Merchant Maverick. However, some businesses may need a Fundbox alternative.
Fundbox’s maximum repayment term is short and the maximum amount you can borrow is fairly low, which may not be sufficient to meet expenses. Whether Fundbox doesn’t quite fit your needs, your application has been denied, or another lender can offer you a better deal, we can help you find a good alternative to Fundbox.
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| Company | Best For | Next StepsBest For |
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Lendio
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American Express Business Blueprint
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OnDeck
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LoanBuilder
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BusinessLoans.com
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Read more below to learn why we chose these options.
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Table of Contents
The best Fundbox competitors offer similar quality and convenience while offering alternative approaches to small business funding. Here are our picks for the top Fundbox alternatives.
| Borrowing Amounts | Term Lengths | Credit Score | Minimum Time In Business | |
|---|---|---|---|---|
| Lendio | Varies by lender/product | Varies by lender/product | N/A | N/A |
| American Express Business Blueprint | $2,000 - $250,000 | 6, 12, 18, or 24 months | 660 | 12 months |
| OnDeck | $5,000 - $250,000 | 12 - 24 months | 625 | 12 months |
| LoanBuilder | $5,000 - $150,000 | 17 - 52 weeks | Undisclosed | 9 months |
| BusinessLoans.com | $5,000 - $3 million | 3 months - 5 years | N/A | 6 months |
Pros
Cons
If you’ve found Fundbox’s offerings to be too restrictive, you can save yourself a lot of time by using a service like Lendio. With just one application, you can receive offers from over 75 lenders, making it easy to find the best loan for your situation. There's no guarantee you'll get a better offer than you would from Fundbox, but Lendio can potentially offer better rates and terms.
Additionally, Lendio’s network offers more than just lines of credit and is more likely to be able to accommodate your specific circumstances. Just be aware that it will probably take longer to get your funds.
Pros
Cons
American Express Blueprint (formerly Kabbage) offers a business line of credit similar to Fundbox, but with a little more flexibility when it comes to term lengths. We appreciate that American Express doesn’t charge origination fees or maintenance fees, so you’ll only incur costs on the money you’re using, making American Express Blueprint a potentially cheaper option than Fundbox.
Note that American Express does have minimum withdrawal amounts, which vary depending on the term length of your line of credit.
Get Started With American Express Business Blueprint
Pros
Cons
OnDeck is similar to Fundbox in many ways. This alternative lender offers a quick and simple online application that can deliver a decision in just a few minutes, and you can receive your funds as soon as the same day.
While OnDeck has slightly more stringent qualifications, we find it offers more flexibility with an additional product option (term loans) and higher borrowing amounts.
Pros
Cons
LoanBuilder is a fast and easy-to-understand financing service offered by PayPal. Dealing exclusively in fast, short-term loans, LoanBuilder is a great way to get funding quickly with minimal extraneous fees.
Newer businesses, especially, will appreciate that LoanBuilder is willing to work with businesses as young as 9 months.
Pros
Cons
BusinessLoans.com is a lending marketplace that offers funding options for businesses that may have had difficulty getting capital from other sources. With no minimum credit score and a minimum of 6 months in business needed to apply, we've found that small businesses stand a pretty good chance of getting funded.
Additionally, BusinessLoans.com offers more product types than Fundbox, and with much higher borrowing limits.
Get Started With BusinessLoans.com
We spend hours researching and evaluating each business loan and funding product that we review at Merchant Maverick, placing special emphasis on key characteristics to generate our ratings.
When rating lenders and funding providers, we use a 31-point rubric that looks at rates and fees, services, eligibility requirements, application, sales and advertising transparency, customer service, and user reviews. We weigh each section differently to calculate the total star rating. This rubric is applied to traditional term loans, as well as short-term loans, start-up loans, lines of credit, online lending products, merchant cash advances, and equipment financing products.
Each section is further broken down into granular, weighted subsections, in which we examine specific attributes like terms lengths, conditions of repayment, credit score and revenue requirements, ease of application, length of time to funding, the ethics involved in promoting the lending product, customer support, and the overall reputation of the lender or funding provider.
Read more about how we rate small business lenders.
Even with an overview of some highly-rated Fundbox alternatives, you still have a bit more work to do.
Here are the main steps you’ll need to take before before you start applying for a Fundbox alternative:
Fundbox provides credit decisions in just minutes, and if approved, you can immediately initiate your first draw and have cash in your bank account in as little as one business day. You don’t need great credit to qualify, so businesses that have trouble qualifying elsewhere may have success in obtaining a Fundbox loan. However, this comes with a trade-off of a short repayment window, low borrowing amounts, and potentially high rates.
The lenders above should give you a great starting point for researching alternatives. For additional options, check out our picks for best small business loans and best lines of credit for businesses.
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Our expert reviewers found BusinessLoans.com to have a quick and easy application process alongside excellent support and guidance for borrowers.
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The vendors that appear on this list were chosen by subject matter experts on the basis of product quality, wide usage and availability, and positive reputation.
Merchant Maverick’s ratings are editorial in nature, and are not aggregated from user reviews. Each staff reviewer at Merchant Maverick is a subject matter expert with experience researching, testing, and evaluating small business software and services. The rating of this company or service is based on the author’s expert opinion and analysis of the product, and assessed and seconded by another subject matter expert on staff before publication. Merchant Maverick’s ratings are not influenced by affiliate partnerships.
Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity. The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.
Our expert reviewers found BusinessLoans.com to have a quick and easy application process alongside excellent support and guidance for borrowers.
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