Fundbox
- Company typePrivate
- Founded2013
- HeadquartersPlano, United States
- Headcount251–500
- GTM typeB2B
- OfferingSoftware
Fundbox firmographics
Firmographics- Name
- Fundbox
- Legal name
- Fundbox, Inc.
- Website
- https://fundbox.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Ownership category
- akta.pro rank
Fundbox industry classification
Industry- Product category
- Embedded Lending Infrastructure
- NAICS
- Sales Financing (52222)
- SIC
- Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Merchant Cash Advance & Revenue-Based Financing Enablement (FSAGALAH)
- akta.pro secondary industry
- Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)
Keywords
Where Fundbox is headquartered
LocationHeadquarters
- HQ city
- Plano
- HQ country
- United States
- HQ region
- North America
Offices6 records
Markets served
Fundbox business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Business Loans and Lines of Credit: Fundbox provides business loans and lines of credit up to $250,000 to small businesses, earning interest and fees on the capital extended. Financing is subject to credit approval and available through direct self-serve application or embedded within partner platforms.
- Embedded Capital Infrastructure (B2B): Fundbox provides white-labeled embedded capital infrastructure to platform partners (Stripe, FreshBooks, Wave, etc.) who offer Fundbox's financing products to their SMB customers. Revenue is generated through the interest and fees on loans originated through these partnerships.
- Flex Pay (BNPL for SMBs): Buy now, pay later solution for small business owners launched with Series D funding to provide flexible payment options at checkout
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Pay-as-you-go | Business line of credit up to $250,000 |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels4 records
Fundbox product offering
Product offeringCore offering
Fundbox provides an API-first embedded capital infrastructure platform that delivers white-labeled working capital products — including lines of credit (up to $250,000), term loans, invoice financing, revenue-based financing, checkout financing, accounts payable financing, and Flex Pay BNPL — to small businesses either directly or natively embedded within partner platforms such as Stripe, FreshBooks, Wave, Autobooks, Nav, and Relay. The company uses proprietary AI/ML-driven underwriting on real-time payments and accounting data to deliver credit decisions in minutes, and serves over 170,000 small businesses with more than $6 billion funded since 2013.
Product overview
Fundbox is an embedded capital infrastructure platform offering a comprehensive suite of capital products for small businesses. The platform operates through two main channels: (1) direct business lending providing Lines of Credit (up to $250,000), Term Loans, and Flex Pay (BNPL), and (2) an API-first platform for partners to embed capital products including Invoice Financing, Revenue Based Financing, Checkout Financing, Payroll Guard, Account Payable Financing, and SMB Card. The platform leverages AI/ML-driven underwriting using business financial data for fast credit decisions. Fundbox serves over 170,000 small businesses and has originated over $6 billion in funding since 2013.
Differentiator
Problem solved
Functional benefit
Brands
- Relay Capital: Embedded capital product suite launched in partnership with Relay for SMB banking customers
- Flex Pay
- Autobooks Capital
Products and services
- Line of Credit Flexible revolving credit line enabling small businesses to access funds whenever needed, up to $250,000, with flexible repayment terms and no early repayment fees.
- Term Loan Lump-sum loan with fixed payments designed to meet immediate funding needs for small businesses.
- Flex Pay Buy now, pay later (BNPL) solution for small business owners, offering flexible payment options for business purchases.
- Invoice Financing Advance capital based on customers' outstanding invoices to provide quicker access to funds for small businesses.
- Revenue Based Financing Provide upfront capital based on future sales, with flexible repayment through a share of actual sales.
- Checkout Financing Embed net terms and installment options at checkout, providing flexibility in when and how payments are made.
- Account Payable Financing Enable customers to pay vendors and suppliers on time without straining cash flow, with flexible repayment terms aligned to their business cycle.
- Payroll Guard Payroll safeguard providing short-term coverage to ensure customers never miss payroll.
- SMB Card Business credit card backed by Fundbox for everyday expenses with repayment built around the business's cash cycle.
- Relay Capital End-to-end lending product suite built natively inside Relay's banking platform using Fundbox's APIs, launching with Relay Term Loans as the inaugural feature.
- Autobooks Capital White-labeled embedded lending product built through the Autobooks partnership, enabling community banks to deliver instant capital access to small businesses.
Quantifiable outcome
- $6B+ total capital funded to 170,000+ small businesses
- +3 more outcomes
Companies that use Fundbox
Customer profileNamed customers9 records
Segments2 records
Ideal customer profiles2 records
Fundbox technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration19 records
AI capability5 records
Feature4 records
Fundbox partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core.
- FreshBookscoreLong-standing partnership empowering thousands of FreshBooks users to access fast, flexible funding. The integration is smooth and the impact on small businesses is real according to FreshBooks.
- RelaycoreRelay built Relay Capital (end-to-end lending product line) using Fundbox's fully integrated capital platform, launching term loans in under 8 weeks. Provides SMB customers with seamless access to capital within the Relay banking platform.
- StripecoreStripe is the first platform partner in Australia for Fundbox's international expansion, offering digital-first working capital solutions to Australian SMBs through embedded financing tools.
- AutobookscoreAutobooks Capital powered by Fundbox enables community banks to deliver instant capital access to small businesses without disrupting the digital banking experience. Achieved 70% approval rate and 85% draft rate.
- WavecorePartnership to integrate Fundbox's financing solutions into Wave's platform, providing over 350,000 small business users with easier access to funding for cash flow management and business growth.
- NavcoreNav partners with Fundbox to make it easier for SMBs to access capital, integrating Fundbox into Nav's platform for smarter, faster credit access.
- EverCommercecoreIntegration into EverCommerce's EverPro SaaS platforms (Joist and Invoice Simple) serving over 350,000 small businesses across US, UK, Canada, and Australia, allowing contractors and home service professionals to access capital through platforms they already use.
Scale indicators12 records
Recent moves7 records
Expansion highlights6 records
Fundbox competitors and assessment
Company assessmentDirect peers
- Parafin: Parafin is the closest direct competitor—an embedded capital infrastructure platform that provides working capital and revenue-based financing to SMBs through software platform integrations (e.g., Clover, Toast). Same B2B2C embedded model, same target customer (SMBs), same product set (capital + underwriting API).
- Resolve: Resolve offers embedded B2B BNPL and net-terms financing for SMBs through B2B marketplaces, vertical SaaS, and commerce platforms. Same embedded-distribution thesis, same SMB target, with a heavier emphasis on B2B checkout financing.
- Pipe: Pipe provides revenue-based financing and capital solutions embedded into SaaS and SMB platforms. It directly competes with Fundbox on revenue-based financing products and embedded API infrastructure for SMBs.
- Onramp Funds: Onramp provides embedded working capital and revenue-based financing for SMBs selling on commerce platforms (e.g., Amazon, Shopify, eBay). Same embedded-distribution GTM and same product category (revenue-based capital for SMBs).
- Clearco: Clearco (formerly Clearbanc) pioneered revenue-based financing for ecommerce and SMBs. It directly overlaps with Fundbox's revenue-based financing product line and shares the thesis of using real-time sales data for underwriting.
- Wayflyer: Wayflyer provides revenue-based and working capital financing to ecommerce SMBs and brands, often through platform integrations. Same product category (RBF/working capital), same SMB target segment, with a focus on the ecommerce vertical.
- Liberis: Liberis is a UK-based embedded finance provider offering working capital to SMBs through payment processors, SaaS platforms, and marketplaces. Same embedded GTM and same SMB working-capital product focus, with a stronger international (European) footprint.
Broad incumbents
- Stripe Capital: Stripe Capital is Stripe's own embedded SMB working capital product, offering financing to businesses on the Stripe platform. It is simultaneously Fundbox's largest partner (Stripe is a distribution channel for Fundbox in Australia and elsewhere) and its most strategic competitor, since Stripe could expand in-house to replace Fundbox.
- BlueVine: BlueVine is an established SMB-focused online lender offering lines of credit, invoice factoring, and business banking. While not exclusively embedded, it competes directly with Fundbox on the direct-SMB line-of-credit product and targets overlapping SMB segments.
Emerging players
- Unit: Unit is an embedded finance platform providing banking-as-a-service infrastructure for software companies. While Fundbox specializes in the credit layer of embedded finance, Unit focuses on banking accounts, cards, and payments—making it an adjacent enabler rather than a direct competitor, but increasingly relevant as embedded finance stacks consolidate.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks7 records
Key highlights7 records
Customer concentration
Fundbox social profiles
Digital presenceFundbox compliance and trust
Trust signalCompliance4 records
Fundbox financial estimates
Financial estimateRevenue estimate
Valuation estimate
Fundbox leadership team
Management profileNumber of profiles
Profiles8 records
Fundbox funding detail
Funding detailFunding overview
Funding rounds11 records
Investors38 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Fundbox M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Fundbox
What does Fundbox do?
Fundbox provides an API-first embedded capital infrastructure platform that delivers white-labeled working capital products — including lines of credit (up to $250,000), term loans, invoice financing, revenue-based financing, checkout financing, accounts payable financing, and Flex Pay BNPL — to small businesses either directly or natively embedded within partner platforms such as Stripe, FreshBooks, Wave, Autobooks, Nav, and Relay. The company uses proprietary AI/ML-driven underwriting on real-time payments and accounting data to deliver credit decisions in minutes, and serves over 170,000 small businesses with more than $6 billion funded since 2013.
Is Fundbox a public or private company?
Fundbox is a private company. It is classified as venture growth investor backed and is currently operating.
When was Fundbox founded?
Fundbox was founded in 2013. It employs 251 to 500 people.
Where is Fundbox based?
Fundbox is headquartered in Plano, United States, in the North America region.
How does Fundbox make money?
Three revenue lines are on record. Business Loans and Lines of Credit is the primary driver. The others are embedded Capital Infrastructure (B2B) and flex Pay (BNPL for SMBs).
Who are Fundbox's main competitors?
Direct peers on record are Parafin, Resolve, Pipe, Onramp Funds, Clearco, Wayflyer and Liberis. Broad incumbents are Stripe Capital and BlueVine. Unit is listed as an emerging player.
Does Fundbox have an API?
Yes. Fundbox offers an API-first, fully customizable platform for embedded lending. The platform provides APIs, SDKs, and other developer-friendly tools for integration. Partners can build fully embedded, white-labeled experiences using Fundbox's API stack, enabling credit decisioning, money movement, and customer support.
What industry is Fundbox in?
Fundbox's product category is Embedded Lending Infrastructure. Its primary akta.pro industry code is FSAGALAH, Merchant Cash Advance & Revenue-Based Financing Enablement, with a secondary code of FSAKAGAD, Merchant Cash Advance (MCA) & Revenue-Based Financing. Its NAICS code is 52222 and its SIC code is 6153.