Lender Comparison · Working Capital
Inflection Financing vs Fundbox
Fundbox tops out at $150K. Inflection Financing starts where Fundbox ends.
TL;DR
Fundbox = micro-lender. Inflection Financing = institutional lender at every loan size.
| 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 |
Where Fundbox wins
- →Fast invoice-based decisions
- →Simple online flow
Where Inflection Financing wins
- →Working capital up to $500K with 12–36 month terms
- →Plus SBA, bridge, CRE, equipment if growth requires it
- →Bank-rate pricing
What to watch with Fundbox
- →Max $150K
- →Short 12–24 week repayment
- →Effective APRs 20%–60%
- →No SBA, CRE, equipment, or bridge
Other comparisons
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