Working Capital
Best alternatives to Fundbox in 2026
Fundbox tops out at $150K. Inflection Financing starts where Fundbox ends.
Why switch from Fundbox?
Max $150K Short 12–24 week repayment Effective APRs 20%–60% No SBA, CRE, equipment, or bridge
Fundbox vs Inflection Financing — side by side
| Feature | Fundbox | Inflection Financing |
|---|---|---|
| Max loan amount | $150K | $5M SBA 7(a) · $15M CRE · $5M bridge |
| Time to funding | 1–3 days | 12 hours (bridge) · 21–45 days (SBA) |
| Rate range | 20%–60%+ APR | Prime + 2.25% (SBA) · 9.9% (term) |
| Broker fees | None (direct) | $0 — bank-direct |
| SBA Preferred Lender | No | Yes — Inflection Financing |
| Direct lender | Marketplace / broker | Yes — institutional lender |
What Inflection Financing gives you that Fundbox doesn't
- →Working capital up to $500K with 12–36 month terms
- →Plus SBA, bridge, CRE, equipment if growth requires it
- →Bank-rate pricing
Verdict
Fundbox = micro-lender. Inflection Financing = institutional lender at every loan size.
Ready to deploy capital?
Apply in under 10 minutes. Decisions in 24 hours. No broker fees. Direct lender.