Fundible Review: Fast, Customized Business Funding (2026)
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- Min. Amount
- $1,000
- Max. Amount
- $2,500,000
- APR
- Starting at 1% per month
Our verdict
Tailored business funding across multiple loan types, with same-day approval and bad-credit access.
Fundible is an online lender and lending marketplace that uses in-house financing and a partner network to match small businesses with term loans, lines of credit, equipment financing, SBA loans, bridge loans and invoice factoring. It accepts credit scores as low as 500 and funds as quickly as the same day, making it a solid option for businesses locked out of traditional bank lending. The main drawback: Fundible discloses rates as a monthly percentage rather than an APR, and specific terms often aren't clear until after you apply.
Best for: Small businesses with limited credit history seeking fast, customized funding.
Pros
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Soft credit check to apply, no impact on your score
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Bad credit accepted (500+ FICO per website)
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Multiple loan types, including lines of credit, equipment financing and SBA loans
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Same-day approval across all major products
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No prepayment penalties on term loans or lines of credit
Cons
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Rates disclosed as monthly percentage, not APR — harder to compare
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Loan details and terms are vague before completing an application
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May share your contact information with third-party lenders
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A hard credit pull may be required, depending on product and lender
Is Fundible legit?
Yes. Fundible (operating as Streamline Funding, LLC) has been in business since 2017 and has been accredited by the Better Business Bureau (BBB) since 2020.
The BBB currently gives it anA- rating, a decrease from the A+ rating noted in our previous reviews. Trustpilot reviews are overwhelmingly positive as of early 2026. No significant legal actions or fraud alerts were identified in our research.
What makes Fundible shine?
- Multiple loan products under one application. Fundible offers term loans, lines of credit, equipment financing, bridge loans, invoice factoring and SBA loans, allowing businesses to compare options without applying to multiple lenders separately.
- Fast funding turnaround. Same-day approval is available across core products, with funds deposited as quickly as 24 hours for term loans and lines of credit, and within 72 hours for equipment financing.
- Bad credit accepted. Fundible’s website lists a minimum FICO of 500, and its partner network has reportedly worked with scores below that.
- No prepayment penalties. Both the term loan and line of credit carry no prepayment penalties, giving borrowers flexibility to pay off early without added cost.
- Lease-to-own equipment options. Equipment financing includes lease-to-own arrangements, which are useful for businesses that don’t qualify for a full loan or prefer not to take on long-term debt.
Where Fundible falls short
- Rates shown as monthly percentages, not APR. All advertised rates are listed per month (e.g., “starting at 1% per month”), which makes it difficult to compare Fundible directly with lenders who disclose annual percentage rates.
- Limited upfront term disclosure. Fundible’s website does not show specific repayment term ranges, fees or detailed qualification criteria for each product before you apply. You won’t know what you’re working with until it matches you to a lender.
- Contact data sharing. By submitting an application, you authorize Fundible and its third-party funding partners to contact you, which may result in unsolicited outreach from lenders you didn’t approach directly.
- A hard credit pull may be required. While the initial inquiry is soft, a hard pull may be triggered depending on the product and lender, and applicants are notified only at that stage.
Fundible loan details
| Minimum credit score/credit range | 500 |
| APR | Rates start at 1% per month* |
| Loan amounts | Up to $250,000 |
| Terms | Up to 24 months |
| Approval turnaround | Same-day approval |
| Availability | Available in all states |
| Prepayment penalty | None |
| Other fees | Not disclosed on website |
Term Loan
| Minimum credit score/credit range | 500 |
| APR | Starting at 1% per month |
| Loan amounts | Up to $2,500,000 |
| Terms | 5 months to 10 years |
| Approval turnaround | Same day; funding typically next day |
| Availability | Available in all states |
| Prepayment penalyty | None |
| Other fees | Not disclosed on website |
Equipment Financing
| Minimum credit score/credit range | 500 |
| APR | Starting at 3.5% |
| Loan amounts | Up to 100% of equipment value |
| Terms | 1 to 10 years |
| Approval turnaround | Same day; funding within 72 hours |
| Availability | Available in all states |
| Lease-to-own | Available |
| Other fees | Not disclosed on website |
*Rates are listed as monthly percentages on Fundible’s website, not as APR. Rates, terms and payment structure may vary by state and lender.
Just a note that Fundible’s homepage lists term loan amounts up to $6 million and terms of 5 months to 10 years, while the dedicated term loan product page shows amounts up to $2.5 million and terms of 1 to 5 years. The product page figures are used above as the more specific source. Verify directly with Fundible before applying. Similarly, the homepage lists term loan rates starting at 0.75% monthly versus 1% monthly on the product page.
Fundible contact info
| Phone | 855-784-0008 |
| Customer service hours | Not disclosed on website |
| Support@Fundible.com | |
| X, formerly Twitter | @fundible1 |
| linkedin.com/company/fundible | |
| Not listed on website |
Calculate your monthly loan payments
Use our business loan calculator below to estimate your monthly payments based on loan amount, rate and term before you apply.
Monthly Repayment Calculator
See how much you'll pay|
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Fill out the form and click on “Calculate” to see your estimated monthly payment.
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| Principal | $ |
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| Interest | $ |
| Total Cost | $ |
How to qualify for Fundible
Fundible discloses these basic eligibility requirements across its product pages:
- FICO credit score of 500 or higher
- At least 6 months in business
- $8,000 or more in average monthly revenue
- Three most recent business bank statements
Requirements may vary depending on the specific loan product and the lender you’re matched with in Fundible’s network.
How to apply
- Apply online at fundible.com. The application takes under two minutes and won’t impact your personal credit score.
- Submit documentation. Upload your three most recent business bank statements and any other documents requested.
- Review your options. A funding advisor will present customized financing options based on your business profile.
- Accept an offer and receive funds. Once you select a loan and finalize terms, funds can arrive in as little as 24 hours for most products.
How Fundible compares to other lenders
Compare other products
We currently don't have that product, but here are others to consider:
How we picked theseWhat 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.
Fundible reviews and complaints
| BBB accredited | Yes |
|---|---|
| BBB rating | A- |
| BBB customer reviews | 4.97 out of 5 stars, based on 134 customer reviews |
| Trustpilot Score | 4.9 out of 5 stars, based on 609 customer reviews |
| Customer reviews verified as of | 06 March 2026 |
Fundible’s Trustpilot presence is strong, with over 600 verified reviews and a score of 4.9 out of 5 as of early 2026. Positive reviews consistently mention fast funding turnaround, personalized support from named advisors and a smooth application process, even for borrowers who were turned down elsewhere. Negative reviews are minimal and, in some cases, have been flagged as cases of mistaken identity with other companies.
The BBB rating has slipped from A+ in our 2024 review to A- following 5 complaints filed. However, Fundible remains BBB-accredited, and the complaint volume is very low relative to Fundible’s overall transaction volume. Complaints referenced miscommunication around fees and loan terms.
What do people on Reddit say?
Frequently asked questions
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