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Purchase Financing

Payment terms, wherever spend happens.

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Two Fundbox financing cards — a $3,275 purchase order paid at $108.33 a month and a $15,022 payroll expense — beside photos of small-business owners at work.

From inventory to payroll, cover any purchase or expense.

How it works

Purchase financing

  1. The funding sits at the point of transaction

    Businesses receive a spending limit and use it as a payment option. Each transaction draws against the limit.

  2. Terms are short and chosen per transaction

    Net terms or installments, up to three months.

  3. Capacity replenishes

    As purchases or expenses are paid down, buying power opens back up for the next transaction.

  4. Underwriting can use KYB data or a credit report.

    Offers use business information, credit profiles, or bank data to approve buyers on their first purchase.

Fundbox is global

Talk to our team about bringing embedded capital to your platform.

Fundbox is available in the United States, Canada, the United Kingdom and Australia.

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Frequently Asked Questions

Have questions about terms, compliance, or developer infrastructure integrations? We are here to support.

How does purchase financing work for business buyers?

A buyer is approved once for a spending limit and can use it from then on, with no application per purchase. Each purchase becomes its own invoice with a set repayment date, so the buyer gets the goods now and pays on the schedule they selected. The financing can be used for online purchases or offline purchases directly with vendors.

What are the available repayment terms?

Net terms of 30, 60, or 90 days, or weekly installments up to 12 weeks. The buyer chooses per purchase. Available terms can vary by integration and by customer.

When does the seller get paid?

At the time of sale, in full, settling as soon as the next business day.

Who pays for it?

The cost is covered by the platform or seller as a merchant discount rate, and buyers pay nothing for the terms they select. Partners also earn on the volume they originate.

Whose brand does the buyer see?

Yours, in most cases. Fundbox supports fully white-label integrations where the buyer never leaves your product or sees the Fundbox name, as well as co-branded and “Powered by Fundbox” placements. You choose the level of visibility.

What type of integration options does Fundbox offer?

Fundbox offers flexible integration options from quick setups to fully embedded solutions using APIs, SDKs, and other developer-friendly tools.

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