Fundbox

Fundbox is an API-first embedded working capital platform that enables B2B sellers and platforms to offer net payment terms, credit underwriting, and working capital financing. Founded in 2013 and headquartered in Plano, TX, Fundbox has unlocked over $6 billion in capital for more than 170,000 small businesses. The platform provides a fully white-labeled, embedded lending API stack that allows B2B platforms to integrate credit decisioning, compliance, and servicing in two weeks or less.

Fundbox publishes 1 API on the APIs.io network. Tagged areas include Fintech, B2B Credit, Embedded Finance, Net Terms, and Working Capital.

Fundbox’s developer surface includes documentation, engineering blog, pricing, and 8 more developer resources.

🌐 Visit website 📡 Source on GitHub

17.8/100 emerging ▬ flat Agent 3/100 human only Full breakdown ↓
scored 2026-08-25 · rubric v0.14.0

AccessPaid

1 APIs

FintechB2B CreditEmbedded Finance Net Terms Working Capital Small Business Lending Credit Underwriting

Kin Score

Kin Score How this is scored →
scored 2026-08-25 · rubric v0.14.0

Composite quality — 17.8/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 2.0 / 17

Access Clarity 6.7 / 17

Operational Transparency 2.9 / 11

Contract Governance 0.0 / 10

Discoverability 5.8 / 9

Regulatory Posture 1.4 / 15

Agent readiness — 3/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Surface 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/fundbox: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Rate Limits 1

Documented rate limits and quota policies.

Fundbox Rate Limits

2 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrg

GitHubOrg

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

RateLimits

RateLimits

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

Plans

Plans

FinOps

FinOps

Company 3

The organization behind the API

Website

Website

LinkedIn

Blog

Blog

Other 1

Properties that don't map to a standard resource type

Source (apis.yml)

aid: fundbox
name: Fundbox
description: Fundbox is an API-first embedded working capital platform that enables B2B sellers and platforms to offer net
  payment terms, credit underwriting, and working capital financing. Founded in 2013 and headquartered in Plano, TX, Fundbox
  has unlocked over $6 billion in capital for more than 170,000 small businesses. The platform provides a fully white-labeled,
  embedded lending API stack that allows B2B platforms to integrate credit decisioning, compliance, and servicing in two weeks
  or less.
accessModel:
  pricing: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: medium
  source:
  - plans
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/fundbox.png
url: https://raw.githubusercontent.com/api-evangelist/fundbox/refs/heads/main/apis.yml
created: 2026-06-13
modified: 2026-06-13
specificationVersion: '0.23'
tags:
- Fintech
- B2B Credit
- Embedded Finance
- Net Terms
- Working Capital
- Small Business
- Lending
- Credit Underwriting
apis:
- aid: fundbox:fundbox-partner-api
  name: Fundbox Partner API
  description: The Fundbox Partner API provides an API stack for platforms to embed white-labeled net payment terms, credit
    underwriting, and working capital financing directly within their B2B applications. The API handles end-to-end embedded
    lending including credit decisioning, compliance, and loan servicing.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://fundbox.com/partners/
  baseURL: https://fundbox.com
  tags:
  - Embedded Lending
  - Net Terms
  - Credit Underwriting
  - B2B Finance
  properties:
  - type: Documentation
    url: https://fundbox.com/partners/
  - type: Plans
    url: https://raw.githubusercontent.com/api-evangelist/fundbox/refs/heads/main/plans/fundbox-plans-pricing.yml
  - type: RateLimits
    url: https://raw.githubusercontent.com/api-evangelist/fundbox/refs/heads/main/rate-limits/fundbox-rate-limits.yml
  - type: FinOps
    url: https://raw.githubusercontent.com/api-evangelist/fundbox/refs/heads/main/finops/fundbox-finops.yml
common:
- type: DomainSecurity
  url: security/fundbox-domain-security.yml
- type: Website
  url: https://fundbox.com
- type: Documentation
  url: https://fundbox.com/partners/
- type: GitHubOrg
  url: https://github.com/fundbox
- type: LinkedIn
  url: https://www.linkedin.com/company/fundbox/
- type: Blog
  url: https://fundbox.com/blog/
- type: Pricing
  url: https://fundbox.com/partners/
- type: X
  url: https://x.com/fundbox
- type: Plans
  url: https://raw.githubusercontent.com/api-evangelist/fundbox/refs/heads/main/plans/fundbox-plans-pricing.yml
- type: RateLimits
  url: https://raw.githubusercontent.com/api-evangelist/fundbox/refs/heads/main/rate-limits/fundbox-rate-limits.yml
- type: FinOps
  url: https://raw.githubusercontent.com/api-evangelist/fundbox/refs/heads/main/finops/fundbox-finops.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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