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← Embedded Finance Index 2026/Vendor

Fundbox

Provider
Lending

Fundbox is also live in Australia, via a partnership with Stripe, alongside its original US market.

As described by Fundbox

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 16 companies across 1 category.

fundbox.com ↗Also analysed as a company — its own stack →Open Banking Tracker profile ↗
CategoriesLending
Rank#10 of 254 in Lending
Buyers16 companies
HeadquartersSan Francisco, CA, USA
Founded2013
Raised$433.5M+

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Founders & story · from Fundbox’s own dossier

Founded in 2013 as a direct small business lender focused on invoice financing and lines of credit, Fundbox built proprietary ML-driven credit decisioning to serve underserved SMBs. Over time it evolved from a direct-to-SMB lender into an embedded capital platform, allowing third-party SaaS platforms and marketplaces to white-label and natively embed its full suite of credit products via API. By 2024, Fundbox had processed $6B+ in capital across 500K+ businesses and was repositioning as embedded lending infrastructure, reflected by its API-first partner program and adoption of LoanPro for loan lifecycle management.

Latest round: Debt Financing, September 2024
Recent developments
  • 2026-08Partnered with Lithic to launch a loan-to-card program built in 7 weeks — borrowers apply, get approved, and spend from a virtual card in one session instead of waiting on ACH. source ↗
  • 2024-09Fundbox secured a new debt financing round led by Waterfall Asset Management and Cross River to fund SMB loan originations. source ↗
  • 2024Fundbox selected LoanPro as its loan management system to accelerate payment and credit innovation. source ↗
  • 2025-07Fundbox updated its Privacy Policy (effective July 1, 2025), reflecting ongoing operations including lines of credit, term loans, Credit Builder, and Flex Pay services. source ↗
Full dossier: Fundbox’s own stack, layer by layer →
Who uses Fundbox
16 companies disclose Fundbox in their stack
MarketSharp SoftwareRelayfiSoFiEverCommerce8amFreshBooksNavWaveJoistInvoice SimpleLiliCantaloupe+4 more
Buyer mix · 15 of 16 classified
Fintech / SMB banking · 3Fintech / Consumer banking · 1Fintech / Neobank · 1Horizontal SaaS / Accounting · 1Horizontal SaaS / Spend Management · 1Infrastructure / Payments · 1Vertical SaaS / Construction · 1Vertical SaaS / Home & Field Services · 1
US · 11Canada · 2EU · 1
What the disclosures say
MarketSharp Software
“marketsharp.com/features/lending: 'MarketSharp Lending, powered by Fundbox, gives you fast access to working capital.' Blog post explicitly names GreenSky as loan provider partner for consumer home improvement financing.”
Relayfi
“Fundbox press release (fundbox.com/about/press/fundbox-x-relay/) states 'Relay built its end-to-end lending product line—Relay Capital—and launched its inaugural feature—term loans—using Fundbox's fully integrated capital platform.' Relay blog (relayfi.com/blog/relay-capital-announcement/) and product page (relayfi.com…”
SoFi
“(https://www.sofi.com/small-business-loans/term-loans/) and run on Fundbox: Fundbox calls its SoFi partnership a "bank-as-lender structure" (https://fundbox.com/blog/best-embedded-capital-platforms-for-smb-lending-in-2026/) and posted that it is "part of the SMB lending infrastructure supporting SoFi" (https://www.link…”
View source · sofi.com ↗
EverCommerce
“The homepage positions 'integrated business management, payment acceptance, and customer engagement' as a core offering, and Fundbox's press release describes EverCommerce as 'a leading provider of SaaS solutions and embedded payments for service-based SMBs.'”
8am
“8am's Privacy Policy (8am.com/privacy) explicitly describes collecting 'information for identity verification' including SSN, TIN, government ID images, and other KYC data to satisfy 'know-your-customer, anti-money laundering, and Bank Secrecy Act requirements.' Credit application data for the LawPay Visa Business Card…”
View source · fintech.global ↗
FreshBooks
“Support article (support.freshbooks.com): 'FreshBooks has partnered with multiple providers … Fundbox … YouLend'.”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Fundbox? Claim this profile above to unlock your own full list.
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What Fundbox runs on · from its own dossier
The third-party providers Fundbox itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose Fundbox.
Sponsor Bank
Cross River
BaaS
Pathward
Card Issuing
GalileoLithic
Ledger
LoanPro
Lending
First Electronic Bank
Full dossier with evidence for each layer →
Alternatives to Fundbox

Other Lending providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Affirm65 buyers →Klarna55 buyers →YouLend45 buyers →Mambu36 buyers →Stripe Capital33 buyers →Wisetack27 buyers →Liberis21 buyers →Afterpay16 buyers →
Share this rank

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Ranked #10 of 254 in Lending — Embedded Finance Index 2026
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Fundbox — frequently asked

Which companies use Fundbox?

16 companies are linked to Fundbox in the Embedded Finance Index 2026, through their own public disclosures or Fundbox's published customer list, including MarketSharp Software, Relayfi, SoFi, EverCommerce, 8am, FreshBooks, Nav, Wave, Joist, Invoice Simple and 2 others.

What does Fundbox do?

Fundbox is an embedded-finance provider in Lending. It ranks #10 of 254 Lending providers by linked companies.

What are the alternatives to Fundbox?

The most-named Lending alternatives to Fundbox are Affirm (65 buyers), Klarna (55 buyers), YouLend (45 buyers), Mambu (36 buyers), Stripe Capital (33 buyers) and Wisetack (27 buyers).

Where is Fundbox headquartered?

Fundbox is founded in 2013 and headquartered in San Francisco, CA, USA.

How much funding has Fundbox raised?

Fundbox has raised $433.5M+ in total.

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