Fundbox vs. American Express Business Line of Credit: Which is better? (2026)

Despite their differences in maximum loan approval amounts, both lenders have flexible monthly revenue requirements for businesses to qualify.

For small business owners, Fundbox offers an easy one-step application process and quick access to funds, while American Express Business Line of Credit, formerly Kabbage, provides a larger range of credit line amounts and a competitive no-interest rate appeal.

Fundbox vs. American Express Business Line of Credit: A quick comparison

Fundbox vs. American Express Business Line of Credit: Which one’s better?

Fundbox uses AI technology to process lines of credit up to $250,000 with funds available within two business days.

American Express Blueprint Business Line of Credit offers businesses up to $250,000 but requires a slightly higher credit score.

Overall, American Express Blueprint Business Line of Credit may appeal to businesses due to lack of interest rates in exchange for built-in fees.

When to consider Fundbox

Fundbox is best if you need a company that:

• Accepts lower credit scores. Fundbox approves loans for business owners with credit scores as low as 600. For more, see our guide on business loans like fundbox.
• Offers payment flexibility. Fundbox offers a three-extra-day grace period for those who can’t meet their payment due date.
• Has a positive reputation. While other lenders have a positive reputation, Fundbox has excellent ratings by both customers on Trustpilot and Better Business Bureau.

When to consider American Express Business Line of Credit

American Express Blueprint Business Line of Credit may work best for people who want:

• A larger loan amount. American Express Business Line of Credit offers up to $250,000 to those who qualify.
• No interest rate. Borrowers who prefer no interest rate and would rather have baked-in monthly fees may prefer American Express.
• More than one loan. American Express allows businesses to have more than one line of credit as long as both combined fall under the maximum approval amount.

The similarities

Both lenders are similar in that they require some form of a six-figure annual revenue requirement and credit scores in the 600 range. They also both offer quick turnaround times in as little as one business day for select businesses.

Compare other business loans

Compare up to four lenders side-by-side to see how they stack up.

5 of 5 results

Updated regularly

Finder Score	Min. Amount	Max. Amount	APR	Requirements
Promoted 9.9 Excellent Pinnacle Funding	9.9 Excellent	$10,000	$5,000,000	Varies by loan type	525 credit score, 6+months in business, $180,000+ annual revenue	Apply in minutes with funding as fast as 24 hours and zero impact to your credit score.	Go to siteView details Compare product selection Compare	loading
Promoted 9.6 Excellent Lendio business loans	9.6 Excellent	$1,000	$10,000,000	Varies by lender	Operate business in US for 6 months or more, have a business bank account, minimum 520 personal credit score, at least $8,000 in monthly revenue.	Submit one simple application to potentially get offers from a network of over 75 legit business lenders.	Go to siteView details Compare product selection Compare	loading
Promoted 9.5 Excellent Lendzi	9.5 Excellent	$5,000	$20,000,000	Varies by lender	Minimum credit score of 500, minimum annual revenue of $120,000, preferably one to two years in business	Compare lending options and get funded fast.	Go to siteView details Compare product selection Compare	loading
9.5 Excellent Fundera business loans	9.5 Excellent	$2,500	$5,000,000	Varies by lender	$60,000+ of annual revenue, 600+ personal credit score, in business for 6+ months	Get connected with short-term funding, SBA loans, lines of credit and more.	Go to siteView details Compare product selection Compare	loading
8.8 Great PayPal LoanBuilder	8.8 Great	$5,000	$300,000	Fixed fee (amount not disclosed)	Minimum credit score not disclosed, 9+ months in business, at least $33,300 in annual revenue	Go to siteView details Compare product selection Compare	loading

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How we picked these

What is the Finder Score?

The Finder Score crunches 12+ types of business loans across 35+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.

To provide a Score, we compare like-for-like loans. So if you're comparing the best business loans for startups loans, you can see how each business loan stacks up against other business loans with the same borrower type, rate type and repayment type.

Read the full breakdown

Alternatives to Fundbox and American Express Blueprint Business Line of Credit

Here are alternative products similar to both Fundbox and American Express Blueprint Business Line of Credit:

• Bluevine. Can fund your loan in minutes.
• SmartBiz business loans. Loan amounts up to $350,000.
• Finance Factory. Offers APRs as low as 0% for lines of credit.

See how other lenders stack up

Want to learn how other lenders compare?

• OnDeck vs. Prosper
• LoanBuilder vs. OnDeck
• Fundera vs. Lendio
• Bluevine vs. Fundbox
• OnDeck vs. American Express Line of Credit

To make sure you get accurate and helpful information, this guide has been edited by Holly Jennings as part of our fact-checking process.

Written by

Dhara Singh

Writer

Dhara Singh was a freelance personal finance writer at Finder specializing in loans. Formerly she was a top 10 journalist at Yahoo Finance with more than 38+ million content views where she covered retirement and mortgages. She has also written for Bankrate, and CNET and continues to write for a variety of outlets, such as Investopedia and Worth magazine. Her articles focus on equipping readers with the right information and data so they can make the most informed decisions related to their finances. Dhara previously worked as an insights analyst for Finder’s PR team, where she started the Deadliest Cities to Drive series in 2018, connecting interesting data analysis to a suite of car insurance products. When she’s not writing, Dhara coaches small business owners through her Stories to Sales programs and empowers them to use their life experiences to help other people. She has also self-published a poetry book on Amazon called Tell her She’s Lovely. Dhara holds a B.S. in Finance and Supply Chain Management from Rutgers University and a M.S. in Journalism from Columbia University. See full bio