Fundbox requirements
Fundbox did not publish credit, history or revenue requirements on its homepage when we checked in October 2026. Here is what that means and how to find out whether you qualify.
Fundbox describes financing delivered through platform partners. Requirements may depend on the partner and product, so ask within the channel you use.
| Fundbox | |
|---|---|
| How it works | Embedded-finance platform working through partners |
| Minimum credit | Not published |
| Time in business | Not published |
| Revenue | Not published |
| Amounts | Not published |
| Speed | Not published |
| Products | Line of credit, term loan, invoice financing, revenue-based financing, purchase financing, SMB card (offered through platform partners) |
| States | Not published |
Sources: Fundbox homepage, Trustpilot; checked October 2026. Fundbox is a trademark of its owner; Merchant Fund Express is not affiliated.
With an embedded model, eligibility is often assessed using data from the platform you already use, such as payment or accounting history. Ask the partner what data it shares and how it affects eligibility.
Different products may have different criteria: a line of credit, invoice financing and purchase financing evaluate different things.
Ask about credit checks: whether a soft pull is used and when a hard pull would occur.
Ask about amounts and repayment schedule for the specific product offered.
Prepare business details and bank or platform data the partner requests.
If no partner channel is available to you, consider other providers.
Illustrative example: a bookkeeping firm on an accounting platform that partners with Fundbox might see a line of credit offer based on its invoicing history; a retailer not on any partner platform would not see that prompt at all. Availability, not just eligibility, is the first hurdle.
Questions to ask before you share data: what information the platform passes to the credit provider, whether you can withdraw consent and whether viewing an offer affects your credit.
Planning tip: if your accounting or payments software offers financing, check its help pages or the in-app financing tab to see whether Fundbox powers it, and what the eligibility screen asks for. That tells you more than general requirements would.
If you do not use a platform offering Fundbox, or want published requirements and multiple offers, compare other providers. Merchant Fund Express publishes a 500 credit minimum and matches one application with multiple funders.
Good fit:
Compare first if:
Merchant Fund Express matches one application with multiple funders whose criteria differ from Fundbox’s, so a file that misses one cutoff may fit another. Credit from 500, same-day decisions, funding typically the next business day.
Requirements were not published on its homepage; ask within your partner channel.
Embedded models often do; ask your partner.
Likely; ask for the specific product.
Ask whether a soft or hard pull is used.
Compare other providers; Merchant Fund Express starts at 500.
Its homepage describes delivery through platform partners.
Check its financing tab or help pages.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
