[{"data":1,"prerenderedAt":1359},["ShallowReactive",2],{"RlfrYwvktQwi22CD2sEj8U0vE5Y4FaUJM1svP_i2V-w":3,"n5qM1XE1S8J-ZH6asD4eElxeRbsswvnaPKiddETe4jI":1093},{"layout":4,"paths":627},{"_uid":5,"form_id":6,"cta_link":7,"component":8,"cta_label":9,"form_text":10,"form_title":11,"legal_descr":12,"topnav_menu":13,"footer_links":520,"form_title_2":545,"walmart_path":546,"footer_columns":547,"partner_switch":283,"spa_navigation":283,"security_images":591,"notification_text":623,"notification_color":624,"notification_enabled":40,"security_description":625,"notification_btn_href":281,"notification_btn_label":626,"notification_dismissable":283,"notification_homepage_only":283},"a0101e09-b2d6-41bd-82eb-804530d61956","blog-subscriber_resources","/signup","_layout","Apply","Subscribe to Fundbox Forward for expert insights and tips every week so you can grow","Want to learn more?","Fundbox makes capital available to businesses through business loans and lines of credit originated by First Electronic Bank or Lead Bank. California businesses: Fundbox makes business loans and lines of credit loans pursuant to California Financing Law license 60DBO-48774. \n\nAll financing is subject to credit approval of a completed application. Fundbox and its bank partners base loan eligibility on their respective credit and risk policies, applicable legal requirements, and other business considerations. Financing may not be available in all states and may be subject to local restrictions where applicable.",[14,286,488],{"_uid":15,"label":16,"target":17,"columns":284,"component":285,"dropdown":29},"d00b78fd-39c5-491e-a677-adc10a941b95","For Businesses",{"name":18,"created_at":19,"published_at":20,"updated_at":21,"id":22,"uuid":23,"content":24,"slug":274,"full_slug":274,"sort_by_date":29,"position":275,"tag_list":276,"is_startpage":40,"parent_id":277,"meta_data":29,"group_id":278,"first_published_at":279,"release_id":29,"lang":280,"path":281,"alternates":282,"default_full_slug":29,"translated_slugs":29,"_stopResolving":283},"Home","2020-11-06T21:23:02.060Z","2026-05-05T19:59:45.554Z","2026-05-05T19:59:45.623Z",26635888,"7650c754-ee14-4a82-aca1-20cdf2bf0639",{"seo":25,"_uid":31,"body":32,"component":273},{"_uid":26,"title":27,"plugin":28,"og_image":29,"og_title":29,"description":30,"twitter_image":29,"twitter_title":29,"og_description":29,"twitter_description":29},"b3d1873d-7591-46c4-a3f9-5babe7fe9631","Capital Products for Small Businesses","seo_counter","","Fundbox offers fast, easy access to business financing, up to $150,000. Learn how our line of credit and term loan options can unlock growth for your business.","7d483aa8-63f2-4c53-9831-91454b545530",[33,59,209,212,221,232,250,255,271],{"_uid":34,"image":35,"title":41,"cta_link":42,"subtitle":45,"component":46,"cta_label":47,"keypoints":48},"11e65ea9-8cee-48b9-92bd-6f7853a025b8",{"id":36,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":37,"copyright":29,"fieldtype":38,"meta_data":39,"is_external_url":40},22285513,"https://a.storyblok.com/f/67269/1962x935/fb24f1c6d4/hero-homepage.jpg","asset",{},false,"Funding to \npower your \nbusiness growth",{"id":29,"url":7,"linktype":43,"fieldtype":44,"cached_url":7},"url","multilink","Whether you're handling today’s priorities or preparing for what’s next, Fundbox keeps your cash flow one step ahead.","fbx-hero","Apply now",[49,53,56],{"_uid":50,"text":29,"title":51,"component":52},"c4ffe452-ddd6-412b-90d6-47ed9985467f","Up to $250,000 in funding","text-item",{"_uid":54,"text":29,"title":55,"component":52},"37167b49-7917-4f53-abca-987ae541480b","4.8 Trustpilot score",{"_uid":57,"text":29,"title":58,"component":52},"72037858-f47f-4f8c-8b12-ef8248507681","Flexible repayment terms ",{"_uid":60,"cards":61,"title":84,"partners":85,"component":208},"b02f5dd9-fd90-49bd-9960-4f86e50be8f8",[62,71,78],{"_uid":63,"date":64,"text":65,"image":66,"title":29,"author":29,"industry":68,"location":69,"component":70},"4534fcde-c257-43af-9232-96afce640bb5","02.02.2025","Easy to use, expeditious and simple to understand. Fees on par with what you’d expect. Recommended.",{"id":29,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":29,"copyright":29,"fieldtype":38,"meta_data":67},{},"Industry","Orlando, FL","review",{"_uid":72,"date":73,"text":74,"image":75,"title":29,"author":29,"industry":68,"location":77,"component":70},"0118695b-f15c-4c6e-8128-bf4a14cfb530","02.26.2025","Fundbox is easy to use from setup to funding when needed. It is fully automated so you can use it in a few minutes instead of the time and application process of other lenders.",{"id":29,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":29,"copyright":29,"fieldtype":38,"meta_data":76},{},"Brooklyn, NY",{"_uid":79,"date":80,"text":81,"image":82,"title":29,"author":29,"industry":68,"location":69,"component":70},"e69d6e1f-0fa9-4bd7-9751-645138d437d1","03.04.2025","I love Fundbox. I have been with them for 8 years. The best business line of credit out there. No drama … and the customer service representatives are both helpful and kind. Thanks Fundbox!",{"id":29,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":29,"copyright":29,"fieldtype":38,"meta_data":83},{},"Built into the platforms that businesses like you use everyday",[86,96,104,112,120,128,136,144,152,160,168,176,184,192,200],{"_uid":87,"link":88,"image":90,"title":94,"component":95},"86b6a87b-3df1-41ff-94dc-294bbf8364ac",{"id":29,"url":29,"linktype":89,"fieldtype":44,"cached_url":29},"story",{"id":91,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":92,"copyright":29,"fieldtype":38,"meta_data":93,"is_external_url":40},173345327836775,"https://a.storyblok.com/f/67269/60x25/22841b2ad2/stripe-logo.svg",{},"Stripe","image-link",{"_uid":97,"link":98,"image":99,"title":103,"component":95},"75876f03-bb9a-435c-b13f-bc4147eb7873",{"id":29,"url":29,"linktype":89,"fieldtype":44,"cached_url":29},{"id":100,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":101,"copyright":29,"fieldtype":38,"meta_data":102,"is_external_url":40},74186776879466,"https://a.storyblok.com/f/67269/53x24/d42d81e16e/joist-logo.svg",{},"Joist",{"_uid":105,"link":106,"image":107,"title":111,"component":95},"fee4fee9-7624-42f1-bc0f-287867d23574",{"id":29,"url":29,"linktype":89,"fieldtype":44,"cached_url":29},{"id":108,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":109,"copyright":29,"fieldtype":38,"meta_data":110,"is_external_url":40},74186776883563,"https://a.storyblok.com/f/67269/85x24/ae9a8651c6/freshbooks-logo.svg",{},"FreshBooks",{"_uid":113,"link":114,"image":115,"title":119,"component":95},"aa534f84-6927-4104-b74e-e89b4a571ba5",{"id":29,"url":29,"linktype":89,"fieldtype":44,"cached_url":29},{"id":116,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":117,"copyright":29,"fieldtype":38,"meta_data":118,"is_external_url":40},79166794785261,"https://a.storyblok.com/f/67269/652x230/c95518dd84/autobooks-logo.svg",{},"Autobooks",{"_uid":121,"link":122,"image":123,"title":127,"component":95},"51bb1497-2899-417d-8e93-2453c4c91f4c",{"id":29,"url":29,"linktype":89,"fieldtype":44,"cached_url":29},{"id":124,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":125,"copyright":29,"fieldtype":38,"meta_data":126,"is_external_url":40},74186777076080,"https://a.storyblok.com/f/67269/84x24/433d2b0494/synchrony-logo.svg",{},"Synchrony",{"_uid":129,"link":130,"image":131,"title":135,"component":95},"bccec7f4-c695-4cde-bba9-0ce2fd5fa245",{"id":29,"url":29,"linktype":89,"fieldtype":44,"cached_url":29},{"id":132,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":133,"copyright":29,"fieldtype":38,"meta_data":134,"is_external_url":40},89824470061036,"https://a.storyblok.com/f/67269/1357x480/373b5bcad5/intuit-logo.svg",{},"Intuit",{"_uid":137,"link":138,"image":139,"title":143,"component":95},"372b24fc-b375-40a1-aeb6-9e95f715f128",{"id":29,"url":29,"linktype":89,"fieldtype":44,"cached_url":29},{"id":140,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":141,"copyright":29,"fieldtype":38,"meta_data":142,"is_external_url":40},74186777084273,"https://a.storyblok.com/f/67269/54x24/ee13bcb150/nav-logo.svg",{},"Nav",{"_uid":145,"link":146,"image":147,"title":151,"component":95},"6cb1bfa7-53e3-4cf1-a490-5137363c9ce2",{"id":29,"url":29,"linktype":89,"fieldtype":44,"cached_url":29},{"id":148,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":149,"copyright":29,"fieldtype":38,"meta_data":150,"is_external_url":40},74186777071983,"https://a.storyblok.com/f/67269/52x24/daba87c9d0/zoho-logo.svg",{},"Zoho",{"_uid":153,"link":154,"image":155,"title":159,"component":95},"c4a7c82b-5daa-4cfa-9e8e-27d2462b5273",{"id":29,"url":29,"linktype":89,"fieldtype":44,"cached_url":29},{"id":156,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":157,"copyright":29,"fieldtype":38,"meta_data":158,"is_external_url":40},74186776875369,"https://a.storyblok.com/f/67269/87x24/2dcd059413/housecall-logo.svg",{},"HousecallPro",{"_uid":161,"link":162,"image":163,"title":167,"component":95},"d761ebc0-46d3-4767-9610-964ff0bc1b5b",{"id":29,"url":29,"linktype":89,"fieldtype":44,"cached_url":29},{"id":164,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":165,"copyright":29,"fieldtype":38,"meta_data":166,"is_external_url":40},74186777063790,"https://a.storyblok.com/f/67269/59x24/ce2aa29dad/lendio-logo.svg",{},"Lendio",{"_uid":169,"link":170,"image":171,"title":175,"component":95},"020951a2-ea67-4568-a750-1d36dbe507c8",{"id":29,"url":29,"linktype":89,"fieldtype":44,"cached_url":29},{"id":172,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":173,"copyright":29,"fieldtype":38,"meta_data":174,"is_external_url":40},120283235344454,"https://a.storyblok.com/f/67269/800x284/fbd9a492c6/is-logo.png",{},"Invoice Simple",{"_uid":177,"link":178,"image":179,"title":183,"component":95},"d5c2c1a0-a050-4a04-b262-5c9cc5119650",{"id":29,"url":29,"linktype":89,"fieldtype":44,"cached_url":29},{"id":180,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":181,"copyright":29,"fieldtype":38,"meta_data":182,"is_external_url":40},89801814187103,"https://a.storyblok.com/f/67269/277x64/1fc6b5793d/cantaloupe-logo.svg",{},"Cantaloupe",{"_uid":185,"link":186,"image":187,"title":191,"component":95},"4eb94ee8-9878-4419-85e7-5c4a654637f4",{"id":29,"url":29,"linktype":89,"fieldtype":44,"cached_url":29},{"id":188,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":189,"copyright":29,"fieldtype":38,"meta_data":190,"is_external_url":40},74186777063789,"https://a.storyblok.com/f/67269/60x24/6f61d5cf3a/sofi-logo.svg",{},"SoFi",{"_uid":193,"link":194,"image":195,"title":199,"component":95},"ac5cfb21-250c-492a-bb58-321b0f88390d",{"id":29,"url":29,"linktype":89,"fieldtype":44,"cached_url":29},{"id":196,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":197,"copyright":29,"fieldtype":38,"meta_data":198,"is_external_url":40},120281157238850,"https://a.storyblok.com/f/67269/211x68/549bfa4242/wave-logo.svg",{},"Wave",{"_uid":201,"link":202,"image":203,"title":207,"component":95},"0059ff50-f874-4ae6-9c61-ce0c42abd4fc",{"id":29,"url":29,"linktype":89,"fieldtype":44,"cached_url":29},{"id":204,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":205,"copyright":29,"fieldtype":38,"meta_data":206,"is_external_url":40},173291360250768,"https://a.storyblok.com/f/67269/465x107/37ccde61f3/zenbusiness-logo.svg",{},"Zenbusiness","fbx-trusted",{"_uid":210,"component":211,"has_divider":40},"f83b836f-713c-459f-8ad7-c2a2f130c0fd","fbx-spacer",{"_uid":213,"title":214,"video":215,"cta_link":7,"subtitle":219,"component":220,"cta_label":47},"1a303893-e661-4bd0-b6f5-bc82a3763f8a","Access the funding you need, \u003Cb>when you need it\u003C/b>",{"id":216,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":217,"copyright":29,"fieldtype":38,"meta_data":218,"is_external_url":40},22769495,"https://a.storyblok.com/f/67269/x/06963c5b74/bp_compressed.mp4",{},"Running a business comes with unexpected expenses. Unlock funds to cover upfront costs, manage payroll gaps, and grow your business – all with flexible repayment terms.","fbx-text-image",{"_uid":222,"image":223,"video":227,"component":231},"c05dedb1-fa42-4f09-92c0-5ea7e07beb7e",{"id":224,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":225,"copyright":29,"fieldtype":38,"meta_data":226,"is_external_url":40},22154132,"https://a.storyblok.com/f/67269/1440x807/1bdc70c653/grid-bg.jpg",{},{"id":228,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":229,"copyright":29,"fieldtype":38,"meta_data":230,"is_external_url":40},22769496,"https://a.storyblok.com/f/67269/x/628a464e37/productflow_v06_compressed.mp4",{},"fbx-masonry",{"tag":233,"_uid":234,"steps":235,"title":248,"component":249},"Flexibility","2cb3bca6-4ab5-4678-855b-2b9818a7f0bc",[236,240,244],{"_uid":237,"text":238,"title":239,"component":52},"0e8d61cc-bf38-4d0a-89b5-377753e1837b","Apply in 3 minutes or less","01",{"_uid":241,"text":242,"title":243,"component":52},"d5b8482f-3a1c-4f71-ba1b-e99f24da6784","Fast access to funds","02",{"_uid":245,"text":246,"title":247,"component":52},"a0c684dd-397e-41be-851d-43d5d69679d5","Flexible repayment terms","03","Funding made \u003Cspan>simple\u003C/span>","fbx-steps",{"_uid":251,"title":29,"points":252,"cta_link":7,"component":253,"cta_label":254,"nav_label":29},"e85c062c-c274-409c-9b62-458425459497",[],"fbx-checkmarks","Access funds",{"_uid":256,"items":257,"component":270},"fc14c992-7a15-49cd-93be-dc4d7669d927",[258,262,266],{"_uid":259,"text":260,"title":261,"component":52},"c37638f3-a9ca-4c6c-9180-c29a84690b9e","With the Fundbox line of credit, we purchased new equipment. A new server, when you're doing website development as your primary job, makes a big difference. And over time, Fundbox helped us even-out our cash flow, increase staff, and invest in training.","Sagan Medvec, Co-Founder of Brand Llama",{"_uid":263,"text":264,"title":265,"component":52},"89edcb9f-c4ec-47d7-b39f-9a003a6f18e9","When I heard about Fundbox, I didn’t believe it was real. I decided to apply after reading their reviews, and in less than two days I received funds that I’ve used to pay back outstanding bills and debts.","Muhammet Ariturk, Owner of Istanbul Restaurant",{"_uid":267,"text":268,"title":269,"component":52},"558752ae-e3f9-4bb4-8f05-eb3567c0bf54","As small business owners, we wear a lot of hats from operations to marketing. Some of those tasks are very tedious and time consuming. I thought applying for a loan would be one of those tedious tasks but with Fundbox, the application process was so easy and fast, it did not feel like one of those tasks that I dread to take on.","Bora Kara, co-founder and owner of Beach House Towels and Naughty Waffl","fbx-quotes",{"_uid":272,"component":211,"has_divider":40},"b98e26c0-f539-44e0-b472-d5013ce20968","marketing-page","home",320,[],0,"7502e351-f752-4f50-840f-2670a5d7d899","2020-11-25T19:46:03.000Z","default","/",[],true,[],"dropdown_menu",{"_uid":287,"label":288,"target":289,"columns":487,"component":285,"dropdown":29},"9c29b15d-d4c9-4e2e-820e-2fea68f21e1d","For Platforms",{"name":290,"created_at":291,"published_at":292,"updated_at":293,"id":294,"uuid":295,"content":296,"slug":481,"full_slug":481,"sort_by_date":29,"position":482,"tag_list":483,"is_startpage":40,"parent_id":277,"meta_data":29,"group_id":484,"first_published_at":485,"release_id":29,"lang":280,"path":29,"alternates":486,"default_full_slug":29,"translated_slugs":29,"_stopResolving":283},"Partners","2019-11-10T16:46:51.269Z","2026-05-05T19:59:45.301Z","2026-05-05T19:59:45.319Z",3632162,"a2f3485e-f4ec-4fd6-b4fd-1aa84dceea47",{"seo":297,"_uid":301,"body":302,"cta_link":29,"component":273,"cta_label":29},{"_uid":298,"title":299,"plugin":28,"og_image":29,"og_title":29,"description":300,"twitter_image":29,"twitter_title":29,"og_description":29,"twitter_description":29},"c0cbe86c-2af7-4233-b97a-a5c01d40519b","Digital Lending Platform Partner Program","Our embedded working capital platform helps your business customers unlock financial growth with easier access to lines of credit. Become a partner today.","9d36edd2-7a60-4af0-b23a-48dbc33ad9c5",[303,385,412,442,458,460,470,476],{"_uid":304,"title":305,"video":306,"cta_link":310,"partners":311,"subtitle":382,"component":383,"cta_label":384},"c40c0f70-7a60-46a7-ac23-cc8f233b7207","Capital infrastructure \nto \u003Cspan>power your \nplatform\u003C/span>",{"id":307,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":308,"copyright":29,"fieldtype":38,"meta_data":309,"is_external_url":40},22769519,"https://a.storyblok.com/f/67269/x/377f6963f0/pp_api_v08_compressed.mp4",{},"#partner-form",[312,317,322,327,332,337,342,347,352,357,362,367,372,377],{"_uid":313,"link":314,"image":315,"title":94,"component":95},"74d1a553-c997-402d-bbdd-f11217a585a7",{"id":29,"url":29,"linktype":89,"fieldtype":44,"cached_url":29},{"id":91,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":92,"copyright":29,"fieldtype":38,"meta_data":316,"is_external_url":40},{},{"_uid":318,"link":319,"image":320,"title":103,"component":95},"072ccc37-6a75-4e61-a2b1-a4d1449721bc",{"id":29,"url":29,"linktype":89,"fieldtype":44,"cached_url":29},{"id":100,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":101,"copyright":29,"fieldtype":38,"meta_data":321,"is_external_url":40},{},{"_uid":323,"link":324,"image":325,"title":111,"component":95},"00a9648f-0fc2-455f-99bb-1b9db2f63733",{"id":29,"url":29,"linktype":89,"fieldtype":44,"cached_url":29},{"id":108,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":109,"copyright":29,"fieldtype":38,"meta_data":326,"is_external_url":40},{},{"_uid":328,"link":329,"image":330,"title":119,"component":95},"4ab5c3bd-e3ad-4f27-899b-5c70abc5769f",{"id":29,"url":29,"linktype":89,"fieldtype":44,"cached_url":29},{"id":116,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":117,"copyright":29,"fieldtype":38,"meta_data":331,"is_external_url":40},{},{"_uid":333,"link":334,"image":335,"title":127,"component":95},"8e218c63-01d2-476e-85d8-6c435c651ab5",{"id":29,"url":29,"linktype":89,"fieldtype":44,"cached_url":29},{"id":124,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":125,"copyright":29,"fieldtype":38,"meta_data":336,"is_external_url":40},{},{"_uid":338,"link":339,"image":340,"title":135,"component":95},"4cf7267f-51aa-4a7a-ad64-ed6f3af9a16a",{"id":29,"url":29,"linktype":89,"fieldtype":44,"cached_url":29},{"id":132,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":133,"copyright":29,"fieldtype":38,"meta_data":341,"is_external_url":40},{},{"_uid":343,"link":344,"image":345,"title":143,"component":95},"e1050cf8-622e-433f-b430-21e845dfec73",{"id":29,"url":29,"linktype":89,"fieldtype":44,"cached_url":29},{"id":140,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":141,"copyright":29,"fieldtype":38,"meta_data":346,"is_external_url":40},{},{"_uid":348,"link":349,"image":350,"title":151,"component":95},"ba82a288-6372-466f-82eb-05641f5c6b1a",{"id":29,"url":29,"linktype":89,"fieldtype":44,"cached_url":29},{"id":148,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":149,"copyright":29,"fieldtype":38,"meta_data":351,"is_external_url":40},{},{"_uid":353,"link":354,"image":355,"title":159,"component":95},"ba74ba3f-e1d3-4d19-a7c4-32590ddb1caa",{"id":29,"url":29,"linktype":89,"fieldtype":44,"cached_url":29},{"id":156,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":157,"copyright":29,"fieldtype":38,"meta_data":356,"is_external_url":40},{},{"_uid":358,"link":359,"image":360,"title":167,"component":95},"a3141e08-d446-487b-b328-770827544d5d",{"id":29,"url":29,"linktype":89,"fieldtype":44,"cached_url":29},{"id":164,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":165,"copyright":29,"fieldtype":38,"meta_data":361,"is_external_url":40},{},{"_uid":363,"link":364,"image":365,"title":183,"component":95},"931ef039-a3ce-4797-8d2c-34acd8c8bf63",{"id":29,"url":29,"linktype":89,"fieldtype":44,"cached_url":29},{"id":180,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":181,"copyright":29,"fieldtype":38,"meta_data":366,"is_external_url":40},{},{"_uid":368,"link":369,"image":370,"title":191,"component":95},"e8e5435b-1f77-4a2c-96fa-319bb832e6fd",{"id":29,"url":29,"linktype":89,"fieldtype":44,"cached_url":29},{"id":188,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":189,"copyright":29,"fieldtype":38,"meta_data":371,"is_external_url":40},{},{"_uid":373,"link":374,"image":375,"title":199,"component":95},"8cef20c5-b208-48f2-bb83-c115c436b741",{"id":29,"url":29,"linktype":89,"fieldtype":44,"cached_url":29},{"id":196,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":197,"copyright":29,"fieldtype":38,"meta_data":376,"is_external_url":40},{},{"_uid":378,"link":379,"image":380,"title":207,"component":95},"0b694717-8ddd-4afe-86e0-39ca1744acff",{"id":29,"url":29,"linktype":89,"fieldtype":44,"cached_url":29},{"id":204,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":205,"copyright":29,"fieldtype":38,"meta_data":381,"is_external_url":40},{},"Embed a full range of capital products, natively within your platform. ","partners-hero","Book a demo",{"_uid":386,"image":387,"items":391,"title":404,"video":405,"cta_link":310,"subtitle":409,"component":410,"cta_label":411},"59901cfd-5945-4c47-bd35-f86194ae75bb",{"id":388,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":389,"copyright":29,"fieldtype":38,"meta_data":390,"is_external_url":40},21188588,"https://a.storyblok.com/f/67269/7395x4160/5e28f363de/customer-feedback.jpg",{},[392,396,400],{"_uid":393,"text":394,"title":395,"component":52},"b3bde0ba-638d-4b5e-8cad-9ff22d3739b8","An API-first, \u003Cspan>fully customizable platform powering end-to-end embedded lending\u003C/span>","Full-stack capital platform",{"_uid":397,"text":398,"title":399,"component":52},"b5de3f73-fc93-4218-9c3d-ca23223ee7fd","Capital delivered \u003Cspan>within your customers’ workflows to meet their daily needs\u003C/span>","Capital in context",{"_uid":401,"text":402,"title":403,"component":52},"8576c7cf-16b2-48d6-99f0-bf0da56a936b","Proven by 10+ years \u003Cspan>of experience navigating economic cycles\u003C/span>","Infrastructure backed by experience","Partner with Fundbox",{"id":406,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":407,"copyright":29,"fieldtype":38,"meta_data":408,"is_external_url":40},22769522,"https://a.storyblok.com/f/67269/x/f39ebc4160/partner_compressed.mp4",{},"Unlock the next phase of growth for you and your customers ","fbx-list","Get in touch ",{"tag":399,"_uid":413,"items":414,"title":427,"videos":428,"cta_link":29,"subtitle":29,"component":441,"cta_label":29},"bd70caf8-1990-4102-b11d-add121d67a15",[415,419,423],{"_uid":416,"text":417,"title":418,"component":52},"d04a39df-9220-4096-9178-76c1da0962f7","\u003Ch5>Invoice Financing\u003C/h5>\n\u003Cp>Offer advance capital based on your customers' outstanding invoices to provide quicker access to funds.\n\u003C/p>\n\u003Ch5>Revenue Based Financing\u003C/h5>\n\u003Cp>Provide upfront capital based on future sales, with flexible repayment through a share of actual sales.\u003C/p>","Cash in ",{"_uid":420,"text":421,"title":422,"component":52},"a51b02c7-781b-46e2-bae7-d2e994716ea5","\u003Ch5>Line of Credit\u003C/h5>\n\u003Cp>Offer a flexible, revolving credit line enabling small businesses to access funds whenever they need it.\n\u003C/p>\n\u003Ch5>Term Loan\u003C/h5>\n\u003Cp>Offer a lump-sum loan with fixed payments designed to meet immediate funding needs.\u003C/p>","Cash on hand ",{"_uid":424,"text":425,"title":426,"component":52},"9443488f-9b8d-4006-88af-a7a7b10d9307","\u003Ch5>Checkout Financing\u003C/h5>\n\u003Cp>Embed net terms and installment options at checkout, providing flexibility in when and how payments are made\n\u003C/p>\n\u003Ch5>Payroll Guard\u003C/h5>\n\u003Cp>Offer a payroll safeguard by providing short-term coverage to ensure your customers never miss payroll\n\u003C/p>\n\u003Ch5>Account Payable Financing\u003C/h5>\u003Cp>Give your customers the ability to pay vendors and suppliers on time, without straining their cash flow with flexible repayment terms that align to their business cycle.\u003C/p>\n\u003Ch5>SMB card\u003C/h5>\u003Cp> Offer your SMB customers a card backed by Fundbox credit  for everyday expenses with repayment built around their cash cycle.\u003C/p>","Cash out ","Meet your customers' needs",[429,433,437],{"id":430,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":431,"copyright":29,"fieldtype":38,"meta_data":432},22769525,"https://a.storyblok.com/f/67269/x/a12edbbb3c/cashin_compressed.mp4",{},{"id":434,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":435,"copyright":29,"fieldtype":38,"meta_data":436},22769524,"https://a.storyblok.com/f/67269/x/e964bd6906/cashonhand_compressed.mp4",{},{"id":438,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":439,"copyright":29,"fieldtype":38,"meta_data":440},22769523,"https://a.storyblok.com/f/67269/x/2ebb22eed0/cashout_compressed.mp4",{},"fbx-accordion",{"tag":443,"_uid":444,"items":445,"is_white":283,"component":270},"Partner testimonials","68786ff9-ccb0-45f2-91e1-b4fc24af42c1",[446,450,454],{"_uid":447,"text":448,"title":449,"component":52},"41e9461a-48d4-4e97-8c83-748578fb1226","Our long-standing partnership with Fundbox has empowered thousands of FreshBooks users to access fast, flexible funding when they need it most. The integration is smooth, the team is forward-thinking, and the impact on small businesses is real. That’s the kind of partner we value.","Director of Business Development, FreshBooks",{"_uid":451,"text":452,"title":453,"component":52},"447b0993-f46f-4f7a-927c-ed86f40fa8d4","Fundbox brings the ideal blend of innovation and partnership. By integrating Fundbox into Nav's platform, we're helping small business owners gain smarter, faster access to capital through a seamless experience.","Levi King, Chief Executive Officer, Nav",{"_uid":455,"text":456,"title":457,"component":52},"6d22efee-35e0-4f96-8262-8f267ee2ef74","We chose Fundbox because they understand the small business journey—and they’ve built products that are as easy to use as they are impactful. It’s a strong match for our small business members.","Andrey Ryazanov, Business Lead, SoFi Lending Corp.",{"_uid":459,"component":211,"is_narrow":40,"has_divider":40},"7dfcdd79-a48f-43ca-a0f6-515e2f3cb7f5",{"_uid":461,"image":462,"items":464,"title":29,"video":465,"is_solid":40,"component":469},"e8be2dfd-6366-428d-8074-21e4b7fc0131",{"id":29,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":29,"copyright":29,"fieldtype":38,"meta_data":463},{},[],{"id":466,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":467,"copyright":29,"fieldtype":38,"meta_data":468,"is_external_url":40},22769527,"https://a.storyblok.com/f/67269/x/0749dc80cd/fslp_v02_compressed.mp4",{},"fbx-grid",{"_uid":471,"title":472,"cta_link":310,"subtitle":473,"component":474,"cta_label":475},"33c27cc8-4f77-4b81-be7c-c46fe63acbdf","The Fundbox results","Industry leading speed and ease of application. ","fbx-numbers","Partner with Fundbox today",{"_uid":477,"title":478,"is_long":40,"cta_link":310,"cta_text":479,"is_white":40,"component":480,"cta_label":9},"57fc1c23-e0ea-4c71-ad2d-006d61627bf0","Capital made simple","Streamline your capital\nwith embedded financial products","fbx-cta","partners",300,[],"502c9a1f-6aa8-4e89-a86e-cff3b730db51","2019-11-10T21:50:57.000Z",[],[],{"_uid":489,"label":490,"target":29,"columns":491,"component":285,"dropdown":490},"047dae72-d22f-43fe-bd0b-2d9b163b7810","Company",[492],{"_uid":493,"links":494,"title":29,"component":519},"882e8661-578d-4a13-8bcf-fb3b9c34efa1",[495,502,508,513],{"_uid":496,"hash":29,"link":497,"label":500,"target":29,"component":501},"56531e92-4e4b-4452-b89e-41be4b25544e",{"id":498,"url":29,"linktype":89,"fieldtype":44,"cached_url":499},"66bbf397-dcc5-48f6-bd7f-fafda425a4b3","about/","About","link",{"_uid":503,"hash":29,"link":504,"label":507,"target":29,"component":501},"9e356193-ce00-4a76-9b44-0fd42d0ddb38",{"id":505,"url":29,"linktype":89,"fieldtype":44,"cached_url":506},"cd7c5122-516d-4834-9a8c-1f2f6602e005","faq","FAQ",{"_uid":509,"hash":29,"link":510,"label":512,"target":29,"component":501},"c98605a1-432f-4831-b0a4-90486e74b143",{"id":29,"url":511,"linktype":43,"fieldtype":44,"cached_url":511},"https://help.fundbox.com/s/","Help Center",{"_uid":514,"hash":29,"link":515,"label":518,"target":29,"component":501},"4b43edea-4854-41ef-80df-08c5546414b4",{"id":516,"url":29,"linktype":89,"fieldtype":44,"cached_url":517},"7e7dd56e-b02d-44fd-9495-e26e2f085557","careers","Careers","link-section",[521,527,533,539],{"_uid":522,"link":523,"label":526,"component":501},"d37871ad-ee63-41e3-a6ab-216c10f3fb4c",{"id":524,"url":29,"linktype":89,"fieldtype":44,"cached_url":525},"28f4ed93-5b89-49ee-843b-ca08c4618d68","tou","Terms of Use",{"_uid":528,"hash":29,"link":529,"label":532,"target":29,"component":501},"510467b7-7607-4983-ac56-620ed87c2330",{"id":530,"url":29,"linktype":89,"fieldtype":44,"cached_url":531},"96385c8b-c973-46c1-bf99-0291b7c1bbba","privacy","Privacy Policy",{"_uid":534,"link":535,"label":538,"component":501},"bbc535b1-d1a3-42cc-8704-9793784c73d3",{"id":536,"url":29,"linktype":89,"fieldtype":44,"cached_url":537},"84aa9daf-35b4-47a9-9cc7-0a97c2c62d32","disclaimers","Disclaimers",{"_uid":540,"hash":29,"link":541,"label":544,"target":29,"component":501},"f12956f7-cd0e-4ab4-a90f-22eecfe5e865",{"id":542,"url":29,"linktype":89,"fieldtype":44,"cached_url":543},"e91ffbdc-79e7-49cb-9c7b-3031c694d98f","prohibited-businesses","Prohibited Businesses","Ready to move your business forward?","/signup?campaign_id=walmart&campaign_source=walmart&campaign_name=walmart%20app%20store",[548,558,574],{"_uid":549,"links":550,"title":557,"component":519},"0b11123e-8fe4-40c4-82de-450f20342079",[551,554],{"_uid":552,"hash":29,"link":553,"label":16,"target":29,"component":501},"0f2cf085-8747-4281-b29a-558bdcb7f73f",{"id":23,"url":29,"anchor":29,"linktype":89,"fieldtype":44,"cached_url":274},{"_uid":555,"link":556,"label":288,"target":29,"component":501},"f9c80512-2b21-4e6f-a817-01aecec5648a",{"id":295,"url":29,"linktype":89,"fieldtype":44,"cached_url":481},"Solutions",{"_uid":559,"links":560,"title":490,"component":519},"f10c2249-4cb5-4e43-a7dc-d69c9e0612e5",[561,565,568],{"_uid":562,"link":563,"label":500,"component":501},"13a463d1-6551-4ae0-9ec9-51b7df96b67f",{"id":498,"url":29,"linktype":89,"fieldtype":44,"cached_url":564},"about",{"_uid":566,"hash":29,"link":567,"label":518,"target":29,"component":501},"44077a46-933d-4033-9aba-1e931c703e68",{"id":516,"url":29,"linktype":89,"fieldtype":44,"cached_url":517},{"_uid":569,"hash":29,"link":570,"label":573,"target":29,"component":501},"05184ed9-e5a5-4ecd-bead-780b5a989205",{"id":571,"url":29,"linktype":89,"fieldtype":44,"cached_url":572},"fb2d1711-5447-4173-83c6-c4dce62874cb","about/press","Newsroom",{"_uid":575,"links":576,"title":590,"component":519},"a5e92524-b0a6-446a-969f-1e15cdd87122",[577,580,584],{"_uid":578,"hash":29,"link":579,"label":507,"target":29,"component":501},"8044197b-2816-494e-84bb-3b99661ad084",{"id":505,"url":29,"linktype":89,"fieldtype":44,"cached_url":506},{"_uid":581,"hash":29,"link":582,"label":512,"target":583,"component":501},"09818f31-06e4-4c47-9888-6c52d6b74d12",{"id":29,"url":511,"linktype":43,"fieldtype":44,"cached_url":511},"blank",{"_uid":585,"hash":29,"link":586,"label":589,"target":29,"component":501},"746ff2c8-f144-4559-b80a-ec8c1e157e7d",{"id":587,"url":29,"linktype":89,"fieldtype":44,"cached_url":588},"e74a45bf-34e8-43c8-89b1-2bf8c8d19d19","contact","Contact","Help",[592,599,607,614],{"_uid":593,"link":594,"image":596,"title":598,"component":95},"22eb00a6-c630-469d-8284-cc7b4f63a3c6",{"id":29,"url":595,"linktype":43,"fieldtype":44,"cached_url":595},"https://www.bbb.org/us/ca/san-francisco/profile/financial-services/fundbox-inc-1116-462656#bbbseal",{"id":29,"alt":29,"name":29,"focus":29,"title":29,"filename":597,"copyright":29,"fieldtype":38},"//a.storyblok.com/f/67269/120x44/68b829f50b/bbb-2x.png","Better Business Bureau Accredited Business",{"_uid":600,"link":601,"image":603,"title":606,"component":95},"7171b5ee-0801-4357-ad53-f51044ffc69f",{"id":29,"url":602,"linktype":43,"fieldtype":44,"cached_url":602},"https://www.trustedsite.com/verify?js=1&host=fundbox.com",{"id":604,"alt":29,"name":29,"focus":29,"title":29,"filename":605,"copyright":29,"fieldtype":38},2390547,"https://a.storyblok.com/f/67269/230x96/39c0b6e7ff/trusted-site.png","Trusted Site",{"_uid":608,"link":609,"image":611,"title":613,"component":95},"41846b5b-433c-4aa3-978d-9da00a34fa10",{"id":29,"url":610,"linktype":43,"fieldtype":44,"cached_url":610},"https://www.google.com/maps/place/Fundbox/@33.0728369,-96.8258557,17z/data=!4m7!3m6!1s0x8085808627558c1f:0xf78b0f5a376e6a08!8m2!3d33.0728369!4d-96.823667!9m1!1b1?hl=en",{"id":29,"alt":29,"name":29,"focus":29,"title":29,"filename":612,"copyright":29,"fieldtype":38},"//a.storyblok.com/f/67269/134x54/60c84fb394/google-reviews-2x.png","Google Reviews",{"_uid":615,"link":616,"image":618,"title":622,"component":95},"874b4332-f4bb-4c3a-b076-ba697d794aed",{"id":29,"url":617,"linktype":43,"fieldtype":44,"cached_url":617},"https://www.trustpilot.com/review/fundbox.com",{"id":619,"alt":29,"name":29,"focus":29,"title":29,"source":29,"filename":620,"copyright":29,"fieldtype":38,"meta_data":621,"is_external_url":40},173297676410233,"https://a.storyblok.com/f/67269/4618x624/7025473773/trust-pilot-4-5.svg",{},"Trustpilot","New redesign just launched","lightblue","Security is our top priority. We use industry best practice security protocols.","Try it out",{"/about/press":628,"/about/press/vibe-spending-by-ofer-karp":631,"/resources/podcasts/episode-2-bringing-singapore-flavors-to-the-packaged-goods-industry":635,"/resources/podcasts/episode-3-how-to-hire-the-best-talent-for-trades-companies":639,"/resources/podcasts/episode-4-advice-for-scalling-a-company":643,"/resources/podcasts/episode-7-bringing-a-boutique-puzzle-business-to-nationwide-retail":647,"/resources/podcasts/episode-5-paying-it-forward-with-a-coffee-roasting-empire":651,"/resources/podcasts/episode-10-growing-from-a-single-apartment-to-a-property-management-company":655,"/resources/podcasts/episode-11-building-a-nationwide-last-mile-delivery-startup":659,"/resources/podcasts/episode-9-redesigning-the-go-kart-industry-to-create-a-new-sport":663,"/resources/podcasts/episode-6-starting-a-small-business-as-a-first-generation-immigrant":667,"/resources/podcasts/episode-8-bootstrapping-an-online-coffee-company":671,"/resources/podcasts/episode-12-developing-an-ai-powered-tool-for-the-construction-supply-chain":675,"/resources/podcasts/episode-13-leveraging-the-value-of-referral-networks":679,"/about/press/fundbox-x-relay":683,"/resources/podcasts/podcast-episode-1":687,"/resources/tags/running-a-business":691,"/about/press/fundbox-x-atlas-blue-owl":695,"/resources/tags/starting-a-business":699,"/about/press/fundbox-x-mesirow":703,"/resources/tags/professional-services":707,"/about/press/fundbox-in-australia":711,"/resources/tags/transportation":715,"/resources/case-studies":719,"/about/press/fundbox-nyc-office":723,"/resources/tags/minority-owned-business":727,"/about/press/fundbox-x-cantaloupe":731,"/about":735,"/resources/tags/financing":737,"/resources/guides":741,"/resources/case-studies/how-flux-accounting-used-fundbox-to-finance-new-hiring":745,"/about/press/fundbox-x-autobooks":749,"/resources/tags/invoice-factoring":753,"/resources/tags/small-business-loans":757,"/resources/case-studies/how-a-synchrony-partner-usic-store-used-fundbox-to-invest-in-inventory":761,"/resources/ebooks":765,"/about/press/fundbox-new-look":769,"/resources/tags/accounting-and-tax":773,"/about/press/fundbox-x-vaya":777,"/resources/guides/small-business-grants-a-guide-for-new-business-owners":781,"/resources/tags/customer-stories":785,"/resources/tags/technology":789,"/resources/case-studies/mr-appliance-franchisee-grows-business-using-fundbox":793,"/about/press/fundbox-x-evercommerce":797,"/resources":801,"/resources/case-studies/pie-hole-uses-fundbox-to-get-a-larger-slice-of-the-market":805,"/podcasts/engineering-the-smb-capital-stack":809,"/resources/tags/human-resources":813,"/resources/guides/term-loans":817,"/about/press/fundbox-x-wave":821,"/walmart":825,"/resources/tags/marketing-and-sales":829,"/resources/podcasts":833,"/resources/tags/business-growth":837,"/case-studies/fundbox-x-autobooks":841,"/resources/tags/line-of-credit":845,"/marketplace/adcritter":849,"/resources/guides/compare-fundbox-kabbage-ondeck-bluevine":853,"/marketplace/aweber":857,"/marketplace/bench":861,"/":865,"/resources/guides/working-capital-formula":867,"/resources/guides/small-business-loans":871,"/marketplace/next":874,"/blog":878,"/marketplace/clio":882,"/resources/guides/veteran-small-business-loans":886,"/marketplace/coverwallet":890,"/resources/guides/truck-loans":894,"/marketplace/freshbooks":898,"/resources/guides/telecom-factoring":901,"/marketplace/gusto":905,"/resources/guides/square-capital-loans":909,"/marketplace/indeed":913,"/resources/guides/secured-vs-unsecured-business-loans":917,"/marketplace":921,"/resources/guides/purchase-order-financing":925,"/resources/guides/peer-to-peer-business-loans":929,"/marketplace/sevenrooms":933,"/marketplace/zoho-books":937,"/resources/guides/payroll-factoring":941,"/resources/guides/micro-loans":945,"/marketplace/tailor-brands":949,"/resources/guides/merchant-cash-advance":953,"/marketplace/therapynotes":957,"/applicant-privacy-notice":961,"/resources/guides/medical-practice-financing-loans":965,"/marketplace/hatch":969,"/state-privacy-notice":973,"/marketplace/1-800accountant":977,"/resources/guides/medical-factoring":981,"/resources/guides/manufacturing-factoring":985,"/marketplace/broadly":989,"/prohibited-businesses":993,"/resources/guides/loans-for-women":995,"/privacy":999,"/resources/guides/loans-for-minorities":1001,"/marketplace/alignable":1005,"/tou":1009,"/resources/guides/invoice-factoring":1011,"/marketplace/zoho-invoice":1015,"/disclaimers":1019,"/mobile-app":1021,"/marketplace/skip":1025,"/resources/guides/inventory-financing-loans":1029,"/resources/guides/intuit-quickbooks-capital":1033,"/resources/guides/equipments-loan-financing":1037,"/resources/guides/construction-factoring":1041,"/resources/guides/commercial-mortgage-loans":1045,"/careers":1049,"/resources/guides/business-grants-for-women":1051,"/resources/guides/business-credit-score":1055,"/contact":1059,"/resources/guides/best-business-credit-card":1061,"/partners":1065,"/resources/guides/auto-repair-loans":1067,"/faq":1071,"/resources/guides/funding":1073,"/resources/guides/trade-credit":1077,"/resources/guides/lines-credit":1081,"/resources/guides/construction-loans-financing":1085,"/resources/guides/sba-loans":1089},{"slug":629,"title":630,"uuid":571},"/about/press","Press",{"slug":632,"title":633,"uuid":634},"/about/press/vibe-spending-by-ofer-karp","Vibe Spending by Ofer Karp","0f948591-42cd-480b-b802-97e552931b0c",{"slug":636,"title":637,"uuid":638},"/resources/podcasts/episode-2-bringing-singapore-flavors-to-the-packaged-goods-industry","Episode 2: Bringing Singapore Flavors to the Packaged Goods Industry","53bfdded-e1fc-4db6-befd-1784d06ce32f",{"slug":640,"title":641,"uuid":642},"/resources/podcasts/episode-3-how-to-hire-the-best-talent-for-trades-companies","Episode 3: How to Hire the Best Talent for Trades Companies","624cb96f-ecf2-4df0-bb2f-a112c9a4c6e9",{"slug":644,"title":645,"uuid":646},"/resources/podcasts/episode-4-advice-for-scalling-a-company","Episode 4: Advice for Scaling a Company and the Challenges of Growth","94d2dfac-adc9-46ee-adc7-71e5592445f6",{"slug":648,"title":649,"uuid":650},"/resources/podcasts/episode-7-bringing-a-boutique-puzzle-business-to-nationwide-retail","Episode 7: Bringing a boutique puzzle business to nationwide retail","b3d68cea-27fb-47ea-98f9-a4189347587e",{"slug":652,"title":653,"uuid":654},"/resources/podcasts/episode-5-paying-it-forward-with-a-coffee-roasting-empire","Episode 5: Paying it forward with a coffee roasting empire","1ce256dc-c39e-4411-b6dc-deec521111a8",{"slug":656,"title":657,"uuid":658},"/resources/podcasts/episode-10-growing-from-a-single-apartment-to-a-property-management-company","Episode 10: Growing from a single apartment to a property management company","df29c46d-10fa-4baf-8219-f42e8fc6cc5e",{"slug":660,"title":661,"uuid":662},"/resources/podcasts/episode-11-building-a-nationwide-last-mile-delivery-startup","Episode 11: Building a nationwide last-mile delivery startup","fc038101-79ba-44e0-bfd4-d9f187b087ab",{"slug":664,"title":665,"uuid":666},"/resources/podcasts/episode-9-redesigning-the-go-kart-industry-to-create-a-new-sport","Episode 9: Redesigning the go-kart industry to create a new sport","52b17f6f-772e-4f7e-ae20-39993ef45ec6",{"slug":668,"title":669,"uuid":670},"/resources/podcasts/episode-6-starting-a-small-business-as-a-first-generation-immigrant","Episode 6: Starting a small business as a first generation immigrant","34bde761-e38d-46bd-abb1-4852291bf4fa",{"slug":672,"title":673,"uuid":674},"/resources/podcasts/episode-8-bootstrapping-an-online-coffee-company","Episode 8: Bootstrapping an online coffee company","6a4acae8-682f-4ce1-a17f-85401c8f76c9",{"slug":676,"title":677,"uuid":678},"/resources/podcasts/episode-12-developing-an-ai-powered-tool-for-the-construction-supply-chain","Episode 12: Developing an AI-powered tool for the construction supply chain ","bddd8646-6aab-4861-a00d-905e397822e7",{"slug":680,"title":681,"uuid":682},"/resources/podcasts/episode-13-leveraging-the-value-of-referral-networks","Episode 13: Leveraging the value of referral networks","d5d38231-c975-4475-92ab-5624b151cb8d",{"slug":684,"title":685,"uuid":686},"/about/press/fundbox-x-relay","Fundbox x Relay","f32ee889-30ac-41e0-baf1-2b10f32fed88",{"slug":688,"title":689,"uuid":690},"/resources/podcasts/podcast-episode-1","Episode 1: Growing a business and hiring system impacted employees","d0a26ae0-a8b7-4753-af5c-605b60f580c8",{"slug":692,"title":693,"uuid":694},"/resources/tags/running-a-business","Running a Business","388e2ff0-6930-4f24-b0f0-e122dac3883d",{"slug":696,"title":697,"uuid":698},"/about/press/fundbox-x-atlas-blue-owl","Fundbox x ATLAS x Blue Owl","fe9c716d-d478-4163-871b-63b11273cad4",{"slug":700,"title":701,"uuid":702},"/resources/tags/starting-a-business","Starting a Business","eb736ff4-de93-4273-b654-23cc70aa8652",{"slug":704,"title":705,"uuid":706},"/about/press/fundbox-x-mesirow","Fundbox x Mesirow","5c6eca65-f464-48e9-8a62-c2fb3b8d91a1",{"slug":708,"title":709,"uuid":710},"/resources/tags/professional-services","Professional Services","7ccde080-386c-4bf6-b38a-79b90eadfec8",{"slug":712,"title":713,"uuid":714},"/about/press/fundbox-in-australia","Fundbox in Australia","b222d04a-cdec-4dd8-b0f8-83b3faf5c095",{"slug":716,"title":717,"uuid":718},"/resources/tags/transportation","Transportation ","85d11c1d-fda7-428c-9c53-e8cc3ad63a30",{"slug":720,"title":721,"uuid":722},"/resources/case-studies","Case Studies","26206591-2457-480f-8336-cdd686189756",{"slug":724,"title":725,"uuid":726},"/about/press/fundbox-nyc-office","Fundbox NYC Office","302d54ba-2318-42a3-9fe3-994b9f618379",{"slug":728,"title":729,"uuid":730},"/resources/tags/minority-owned-business","Minority Owned Business","8bcaa88d-da90-426a-b9c3-bb5df7974dff",{"slug":732,"title":733,"uuid":734},"/about/press/fundbox-x-cantaloupe","Fundbox x Cantaloupe","e22b1ee8-410f-4570-9eef-ede3f8ec0998",{"slug":736,"title":500,"uuid":498},"/about",{"slug":738,"title":739,"uuid":740},"/resources/tags/financing","Financing","e15a38a4-8683-494c-b594-aad53018e924",{"slug":742,"title":743,"uuid":744},"/resources/guides","Guides","238cfaf0-4bb7-4aba-9d6e-2b40846782df",{"slug":746,"title":747,"uuid":748},"/resources/case-studies/how-flux-accounting-used-fundbox-to-finance-new-hiring","How Flux Accounting Used Fundbox to Finance New Hiring","792d0222-6a68-4afd-b358-e5b8ceb526c8",{"slug":750,"title":751,"uuid":752},"/about/press/fundbox-x-autobooks","Fundbox x Autobooks","5de98c54-e42f-406a-8044-3c8c83375f8b",{"slug":754,"title":755,"uuid":756},"/resources/tags/invoice-factoring","Invoice Factoring","1e35e2d1-5e16-4a18-9455-d795710398e8",{"slug":758,"title":759,"uuid":760},"/resources/tags/small-business-loans","Small Business Loans","658fdf11-4707-45a9-ab77-cc413f4d8045",{"slug":762,"title":763,"uuid":764},"/resources/case-studies/how-a-synchrony-partner-usic-store-used-fundbox-to-invest-in-inventory","How a Music Store Used Fundbox to Invest in Inventory","8e6e78b9-1a6f-4786-abba-2781f1d2b4fe",{"slug":766,"title":767,"uuid":768},"/resources/ebooks","Ebooks","ecd89e40-d30a-49aa-997e-59d43627c0d5",{"slug":770,"title":771,"uuid":772},"/about/press/fundbox-new-look","Fundbox New Look","fcccf249-18c3-4c8b-b1ec-46ebccd7ff5e",{"slug":774,"title":775,"uuid":776},"/resources/tags/accounting-and-tax","Accounting and Tax","426c2e75-47d8-4fcf-8c9d-5f14c5c7eedc",{"slug":778,"title":779,"uuid":780},"/about/press/fundbox-x-vaya","Fundbox x Vaya","040b968f-00ae-416e-af3f-3630b969ea1f",{"slug":782,"title":783,"uuid":784},"/resources/guides/small-business-grants-a-guide-for-new-business-owners","Small Business Grants","d9a818d2-c1d6-497c-91c5-b2371dad65f2",{"slug":786,"title":787,"uuid":788},"/resources/tags/customer-stories","Customer Stories","70fe0b3b-ba95-4c40-a260-3fefb66e9dc1",{"slug":790,"title":791,"uuid":792},"/resources/tags/technology","Technology","db8385b2-4ea9-40ef-9f9a-675fb53eb3e1",{"slug":794,"title":795,"uuid":796},"/resources/case-studies/mr-appliance-franchisee-grows-business-using-fundbox","Mr. Appliance Franchisee Grows Business Using Fundbox","499767ba-c6a6-4eca-ade6-c95898cb7492",{"slug":798,"title":799,"uuid":800},"/about/press/fundbox-x-evercommerce","Fundbox x EverCommerce","5789d659-68ea-4dbb-ae16-dc9ce298bd89",{"slug":802,"title":803,"uuid":804},"/resources","Resource Center","bbcb9f10-7630-4a89-8a29-3da5ddc0efd3",{"slug":806,"title":807,"uuid":808},"/resources/case-studies/pie-hole-uses-fundbox-to-get-a-larger-slice-of-the-market","Pie Hole Uses Fundbox to Get a Larger Slice of the Market","90707164-aa46-4451-82a1-8d78f5ba59f4",{"slug":810,"title":811,"uuid":812},"/podcasts/engineering-the-smb-capital-stack","Engineering the SMB Capital Stack","e6396e55-f95f-4e78-9aa9-eb3b6c519ecf",{"slug":814,"title":815,"uuid":816},"/resources/tags/human-resources","Human Resources","8578c88c-d02b-4cbc-aa85-36412c6d001b",{"slug":818,"title":819,"uuid":820},"/resources/guides/term-loans","Term Loans","45088d32-059b-4e2a-b642-8b8394c101a1",{"slug":822,"title":823,"uuid":824},"/about/press/fundbox-x-wave","Fundbox x Wave","73b7bc4f-05b1-4658-b764-c08d7935d802",{"slug":826,"title":827,"uuid":828},"/walmart","Walmart","81bf06ed-e116-44fa-9d53-21b30f338f4a",{"slug":830,"title":831,"uuid":832},"/resources/tags/marketing-and-sales","Marketing and Sales","497509dd-c7e9-4839-915a-bb956c3eaadd",{"slug":834,"title":835,"uuid":836},"/resources/podcasts","Podcasts","6636615e-0cc9-44a2-b362-fe6a3653fe34",{"slug":838,"title":839,"uuid":840},"/resources/tags/business-growth","Business Growth","5994ea25-aeeb-4c80-8bac-30d335ffa74c",{"slug":842,"title":843,"uuid":844},"/case-studies/fundbox-x-autobooks","Fundbox and Autobooks","238987ff-f90f-4026-9f5f-3ca92199b02b",{"slug":846,"title":847,"uuid":848},"/resources/tags/line-of-credit","Line of Credit","89afa082-dbd1-4489-960e-965e74f69f36",{"slug":850,"title":851,"uuid":852},"/marketplace/adcritter","AdCritter","5a8431f5-998f-49ff-a7dd-fe52b3633853",{"slug":854,"title":855,"uuid":856},"/resources/guides/compare-fundbox-kabbage-ondeck-bluevine","Comparing Fundbox, Kabbage, OnDeck, and Bluevine Line of Credit","34b462cc-66fb-40b6-84b0-b3451a935c33",{"slug":858,"title":859,"uuid":860},"/marketplace/aweber","AWeber","dd1510fe-bffc-44ac-8cc9-1f3917eae24f",{"slug":862,"title":863,"uuid":864},"/marketplace/bench","Bench","64ed15e6-e290-4e6f-abc5-644704f0fb64",{"slug":866,"title":18,"uuid":23},"/home",{"slug":868,"title":869,"uuid":870},"/resources/guides/working-capital-formula","Working Capital Formula","2a95b8a5-74ed-4e17-9d98-2402219fdced",{"slug":872,"title":759,"uuid":873},"/resources/guides/small-business-loans","e1f2c8d1-6bc0-476d-b409-9ff5c1d87209",{"slug":875,"title":876,"uuid":877},"/marketplace/next","NEXT","ae9f252b-f584-4eef-baad-bc185899f36e",{"slug":879,"title":880,"uuid":881},"/resources/blog-posts","Blog Posts","0154c9dd-c12e-486a-9560-41fc383a44df",{"slug":883,"title":884,"uuid":885},"/marketplace/clio","Clio","f8e0a631-d82f-4a14-91a7-8823491e9027",{"slug":887,"title":888,"uuid":889},"/resources/guides/veteran-small-business-loans","Veteran Small Business Loans","554d08f1-63a5-4abb-9e95-f6bc645060d6",{"slug":891,"title":892,"uuid":893},"/marketplace/coverwallet","CoverWallet","1e863228-5d85-469c-987b-f3d393c545fc",{"slug":895,"title":896,"uuid":897},"/resources/guides/truck-loans","Truck Loans","fd510b3c-51b7-490e-b4ef-fd94c1935d15",{"slug":899,"title":111,"uuid":900},"/marketplace/freshbooks","60e6bf2e-efa0-4af9-810c-cbb9c4aac989",{"slug":902,"title":903,"uuid":904},"/resources/guides/telecom-factoring","Telecom Factoring","b658072a-7709-4e9f-be8e-a2682e2c0da8",{"slug":906,"title":907,"uuid":908},"/marketplace/gusto","Gusto","272a2aae-67a5-4c0c-a950-410e9affbb39",{"slug":910,"title":911,"uuid":912},"/resources/guides/square-capital-loans","Square Capital Loans ","ba96990a-39f0-4dfc-a340-3ca77132f2e6",{"slug":914,"title":915,"uuid":916},"/marketplace/indeed","Indeed","55626fcd-0682-4222-b95e-bca2fb988f3f",{"slug":918,"title":919,"uuid":920},"/resources/guides/secured-vs-unsecured-business-loans","Secured vs. Unsecured Business Loans","4fc14427-f8fe-4829-9892-79e3f6319134",{"slug":922,"title":923,"uuid":924},"/marketplace","Marketplace","8feb6f9f-1d21-48b8-9ff0-ab43912ed052",{"slug":926,"title":927,"uuid":928},"/resources/guides/purchase-order-financing","Purchase Order Financing","97e22a50-54e2-4850-9669-02259536c269",{"slug":930,"title":931,"uuid":932},"/resources/guides/peer-to-peer-business-loans","Peer to Peer Business Loans","012e48b2-8608-4fbc-80ad-d8152997fbe3",{"slug":934,"title":935,"uuid":936},"/marketplace/sevenrooms","SevenRooms","950cc10f-325f-4826-a5a1-70968ddd465a",{"slug":938,"title":939,"uuid":940},"/marketplace/zoho-books","Zoho Books","bbe90abf-5a9c-41dd-bdff-3fbf5f350db5",{"slug":942,"title":943,"uuid":944},"/resources/guides/payroll-factoring","Payroll Factoring","61d70e1a-5e6f-401d-8ce8-ed401c174d4e",{"slug":946,"title":947,"uuid":948},"/resources/guides/micro-loans","Micro Loans","70885064-bbfa-404b-be8a-40ea22c4352b",{"slug":950,"title":951,"uuid":952},"/marketplace/tailor-brands","Tailor Brands","b5a929e5-c714-41ef-b321-df02d1102950",{"slug":954,"title":955,"uuid":956},"/resources/guides/merchant-cash-advance","Merchant Cash Advance","2f4e7150-65d6-4b10-a00e-50870e16bd1b",{"slug":958,"title":959,"uuid":960},"/marketplace/therapynotes","TherapyNotes","706883ab-3ffb-4af3-a367-e0e439f7368f",{"slug":962,"title":963,"uuid":964},"/applicant-privacy-notice","Applicant Privacy Notice","d20ac32d-03f4-4a70-b8f7-9f707b06e22e",{"slug":966,"title":967,"uuid":968},"/resources/guides/medical-practice-financing-loans","Medical Practice Loans ","b43f9777-b0c4-4e52-af6f-b33b434b7ce2",{"slug":970,"title":971,"uuid":972},"/marketplace/hatch","Hatch","01eb5b5a-78ac-4bc8-833e-e5e1adc3b89c",{"slug":974,"title":975,"uuid":976},"/state-privacy-notice","State privacy notice","6b3e5090-7259-4365-b629-2ec54a1dd455",{"slug":978,"title":979,"uuid":980},"/marketplace/1-800accountant","1-800Accountant","77bce0f2-2e9e-4c31-94b7-3fe5f4189570",{"slug":982,"title":983,"uuid":984},"/resources/guides/medical-factoring","Medical Factoring","f52d51b4-a972-41da-88de-5134e7d1c2d1",{"slug":986,"title":987,"uuid":988},"/resources/guides/manufacturing-factoring","Manufacturing Factoring","7b818562-da55-4aa9-999a-9986396d35ca",{"slug":990,"title":991,"uuid":992},"/marketplace/broadly","Broadly","3e38d636-1470-44c7-b193-217c4e0eb7bd",{"slug":994,"title":544,"uuid":542},"/prohibited-businesses",{"slug":996,"title":997,"uuid":998},"/resources/guides/loans-for-women","Loans for Women","7d806fa5-94e7-4092-9f15-e26be12f222a",{"slug":1000,"title":532,"uuid":530},"/privacy",{"slug":1002,"title":1003,"uuid":1004},"/resources/guides/loans-for-minorities","Loans for Minorities","5e2fb278-dba6-4808-8743-802643ffed56",{"slug":1006,"title":1007,"uuid":1008},"/marketplace/alignable","Alignable ","d81607a4-638f-4813-b1a0-1e458ec6a812",{"slug":1010,"title":526,"uuid":524},"/tou",{"slug":1012,"title":1013,"uuid":1014},"/resources/guides/invoice-factoring","Invoice Factoring for Small Businesses","816c11dd-14be-4598-856a-0ad1a65c8e9b",{"slug":1016,"title":1017,"uuid":1018},"/marketplace/zoho-invoice","Zoho Invoice","a1f5495e-7cba-4513-aa67-d8fefe0e4e95",{"slug":1020,"title":538,"uuid":536},"/disclaimers",{"slug":1022,"title":1023,"uuid":1024},"/mobile-app","Mobile App","fa9200f8-3215-4e3f-a6fa-c3cb8be88892",{"slug":1026,"title":1027,"uuid":1028},"/marketplace/skip","Skip ","bd66b8c1-3e82-498b-ace8-7f0e19183612",{"slug":1030,"title":1031,"uuid":1032},"/resources/guides/inventory-financing-loans","Inventory Financing Loans","06736da5-37f3-4c07-b7e2-72f163323cea",{"slug":1034,"title":1035,"uuid":1036},"/resources/guides/intuit-quickbooks-capital","Intuit QuickBooks Capital","b0671921-6eeb-470e-bb63-fc7feed0aea3",{"slug":1038,"title":1039,"uuid":1040},"/resources/guides/equipments-loan-financing","Equipment Loan Financing","b052b492-9df8-4225-9498-79e8537a4000",{"slug":1042,"title":1043,"uuid":1044},"/resources/guides/construction-factoring","Construction Invoice Factoring","1edc555b-113e-45ac-a988-9fa474889e0a",{"slug":1046,"title":1047,"uuid":1048},"/resources/guides/commercial-mortgage-loans","Commercial Mortgage Loans","20170f7d-b453-4599-a82f-9dfd9a2556b4",{"slug":1050,"title":518,"uuid":516},"/careers",{"slug":1052,"title":1053,"uuid":1054},"/resources/guides/business-grants-for-women","Business Grants for Women Guide","cb320ac6-9fb8-495a-9d60-8d60b3fbdbf9",{"slug":1056,"title":1057,"uuid":1058},"/resources/guides/business-credit-score","Guide to Business Credit Scores","d27136e0-b8fb-4ac2-a2ab-95bdb05a08de",{"slug":1060,"title":589,"uuid":587},"/contact",{"slug":1062,"title":1063,"uuid":1064},"/resources/guides/best-business-credit-card","Best Business Credit Card","923f3169-51eb-4484-a86a-5bc2c0296b13",{"slug":1066,"title":290,"uuid":295},"/partners",{"slug":1068,"title":1069,"uuid":1070},"/resources/guides/auto-repair-loans","Business Auto Repair Loans","e3d97dbd-8fa6-4cb0-8248-639a3667555f",{"slug":1072,"title":507,"uuid":505},"/faq",{"slug":1074,"title":1075,"uuid":1076},"/resources/guides/funding","Funding","054d9cba-2a98-4caf-abe3-e52b1fbe9994",{"slug":1078,"title":1079,"uuid":1080},"/resources/guides/trade-credit","Trade Credit","e4f3c6a5-4aad-4a17-8ef2-2c6185ad2bfe",{"slug":1082,"title":1083,"uuid":1084},"/resources/guides/lines-credit","Lines of Credit","34e8e899-4800-4e0d-a18d-d7c12a1c9214",{"slug":1086,"title":1087,"uuid":1088},"/resources/guides/construction-loans-financing","Construction Loans","22c8740c-508d-4fb2-8c0d-4b03af658481",{"slug":1090,"title":1091,"uuid":1092},"/resources/guides/sba-loans","SBA loans","c4823c84-2ab5-4a47-9aad-4d21ac0a8725",{"name":1094,"created_at":1095,"published_at":1096,"updated_at":1097,"id":1098,"uuid":1099,"content":1100,"slug":1321,"full_slug":1322,"sort_by_date":29,"position":1323,"tag_list":1324,"is_startpage":40,"parent_id":1325,"meta_data":29,"group_id":1326,"first_published_at":1327,"release_id":29,"lang":280,"path":29,"alternates":1328,"default_full_slug":29,"translated_slugs":29,"related_posts":1329},"Will a Late Payment Affect Your Credit Score?","2022-07-29T17:53:20.546Z","2022-08-08T18:02:52.153Z","2022-08-08T18:02:52.181Z",169924231,"fcc150b9-893e-4dd0-8fad-484f2f5ce549",{"seo":1101,"_uid":1103,"tags":1104,"title":1094,"content":1105,"subtitle":1313,"author_id":1314,"component":1315,"thumbnail":1316,"is_featured":40,"toc_enabled":283,"thumbnail_is_grayscale":283,"thumbnail_shmiggle_type":1319,"thumbnail_shmiggle_color":1320},{"title":1094,"plugin":28,"description":1102},"It can be hard to keep up on all of your payments. Learn how a late payment will impact your credit score. Here are some answers that can help you understand and possibly even improve your score.  ","05a469fb-c9bc-4066-97e3-c8c2a09b97ee",[694],{"type":1106,"content":1107},"doc",[1108,1114,1118,1125,1129,1149,1154,1158,1164,1168,1180,1184,1188,1193,1197,1201,1206,1210,1214,1218,1223,1227,1231,1235,1239,1244,1248,1260,1272,1277,1281,1293,1297,1309],{"type":1109,"content":1110},"paragraph",[1111],{"text":1112,"type":1113},"Is a tight budget making it hard for you to pay bills on time? Many people have experienced financial difficulties since the pandemic and sometimes ends just don’t meet.","text",{"type":1109,"content":1115},[1116],{"text":1117,"type":1113},"What will happen if you don’t make a payment by your due date? Will one late payment affect your credit score? Also, what can you do to fix it? Here are some answers that can help you understand and possibly even improve your score.",{"type":1119,"attrs":1120,"content":1122},"heading",{"level":1121},2,[1123],{"text":1124,"type":1113},"Will a late payment affect your credit score?",{"type":1109,"content":1126},[1127],{"text":1128,"type":1113},"First things first, what is considered a late payment? A payment is considered late if it is not paid by the due date. However, whether a late payment affects your credit score or not generally depends on how late it is.",{"type":1109,"content":1130},[1131,1133,1139,1141,1147],{"text":1132,"type":1113},"Both ",{"text":1134,"type":1113,"marks":1135},"Experian",[1136],{"type":501,"attrs":1137},{"href":1138,"title":29},"https://www.experian.com/blogs/ask-experian/does-a-one-day-late-payment-affect-your-credit-score/#:~:text=it%20turns%20serious.-,A%20One%2DDay%2DLate%20Payment%20Likely%20Won't%20Show,cycle%2C%20usually%20about%2030%20days.&text=A%20credit%20card%20issuer%20has,date%20your%20payment%20is%20due",{"text":1140,"type":1113}," and ",{"text":1142,"type":1113,"marks":1143},"Equifax",[1144],{"type":501,"attrs":1145},{"href":1146,"title":29},"https://www.equifax.com/personal/education/credit/report/when-late-credit-card-payments-post/",{"text":1148,"type":1113}," say that late payments typically won’t show up on your credit report until a 30 days past your missed payment. So if you are a week or two late, your creditor will often allow you to make your payment without reporting a delinquency, causing a hit on your credit. Further, in some cases, lenders and creditors won’t report late payments until the 60-day mark. Always check with your lenders to understand their policy.",{"type":1119,"attrs":1150,"content":1151},{"level":1121},[1152],{"text":1153,"type":1113},"What happens if I make a payment a day late?",{"type":1109,"content":1155},[1156],{"text":1157,"type":1113},"While your credit score typically won’t be impacted when you make a payment one day late, you may face some other undesirable consequences, including:",{"type":1119,"attrs":1159,"content":1161},{"level":1160},3,[1162],{"text":1163,"type":1113},"Penalty interest rate",{"type":1109,"content":1165},[1166],{"text":1167,"type":1113},"Many credit cards have a penalty APR that can go into effect when you don’t make your minimum payment on time. If you have an attractive APR or a no-interest promotional period, this could throw a big wrench in the benefits your card has to offer.",{"type":1109,"content":1169},[1170,1172,1178],{"text":1171,"type":1113},"For example, the ",{"text":1173,"type":1113,"marks":1174},"Citi Double Cash Card",[1175],{"type":501,"attrs":1176},{"href":1177,"title":29},"https://www.citicards.com/",{"text":1179,"type":1113}," offers an APR on purchases that (at the time of this publication) ranges from 13.99% to 23.99%, depending on your creditworthiness. However, if you make a late payment or have a payment returned, a penalty APR up to 29.99% can go into effect and remain indefinitely.",{"type":1109,"content":1181},[1182],{"text":1183,"type":1113},"While the penalty APR can only be applied to your existing outstanding balance if you are more than 60 days late, it can be applied to future purchases more easily.",{"type":1109,"content":1185},[1186],{"text":1187,"type":1113},"You can find out if your credit card has a penalty interest rate by checking the interest rates and charges disclosure that comes with the card.",{"type":1119,"attrs":1189,"content":1190},{"level":1160},[1191],{"text":1192,"type":1113},"Late fee",{"type":1109,"content":1194},[1195],{"text":1196,"type":1113},"In addition to a penalty interest rate, many companies will charge you a late fee if your payment is even one day late. Late payment fees on credit cards typically range from $25 up to $45, depending on the card issuer. The fee often becomes due immediately along with your past due balance which can make it harder to get caught up.",{"type":1109,"content":1198},[1199],{"text":1200,"type":1113},"If you have never been late before, it’s worth a shot to call your card issuer and request a one-time waiver of the late fee. Some companies will forgive the fee if it’s your first time breaking your payment terms.",{"type":1119,"attrs":1202,"content":1203},{"level":1160},[1204],{"text":1205,"type":1113},"Loss of credit card rewards",{"type":1109,"content":1207},[1208],{"text":1209,"type":1113},"Another drawback of paying a credit card late is you may lose your ability to earn and/or redeem rewards. Many card issuers will not pay out rewards according to your rewards plan if the account is not current. Further, you may not be able to redeem your rewards until your account is up to date.",{"type":1109,"content":1211},[1212],{"text":1213,"type":1113},"Worst case scenario, you may lose your accumulated rewards permanently if you don’t get your account up to date as is required by your agreement.",{"type":1109,"content":1215},[1216],{"text":1217,"type":1113},"In most cases, you do have some time before a late payment will be reported to the credit bureaus but you may face other undesirable consequences like those mentioned above. Here’s a look at how to minimize the damage caused by late payments.",{"type":1119,"attrs":1219,"content":1220},{"level":1121},[1221],{"text":1222,"type":1113},"What to do if you can’t make a payment on time",{"type":1109,"content":1224},[1225],{"text":1226,"type":1113},"If you don’t think you will be able to make a payment on time, the most important step you can take is to communicate. Running low on funds can be stressful and you may be tempted to just ignore a bill until you can pay it. However, in some cases that’s the worst thing you can do.",{"type":1109,"content":1228},[1229],{"text":1230,"type":1113},"If you are going to be late, you may want to consider calling your creditor or lender. Let them know about your situation and tell them when you will be able to make your next payment. In many cases, they have programs in place to help, especially since the pandemic hit.",{"type":1109,"content":1232},[1233],{"text":1234,"type":1113},"They may be able to put you on a payment arrangement that splits up the balance over time or may be able to help you skip a payment due to a hardship you are facing. By taking proactive action, you may be able to avoid negative consequences like late fees, penalty APRs, and even damage to your credit score.",{"type":1109,"content":1236},[1237],{"text":1238,"type":1113},"If you can make your minimum payment but don’t always remember to pay on time, you may want to sign up for automatic minimum payments. Each month, the minimum payment amount will be automatically withdrawn from your bank account and sent to your creditor so you don’t have to worry about it.",{"type":1119,"attrs":1240,"content":1241},{"level":1121},[1242],{"text":1243,"type":1113},"How long do late payments affect your credit?",{"type":1109,"content":1245},[1246],{"text":1247,"type":1113},"How long does a late payment stay on your credit report? If a legitimate late payment is reported to the credit bureaus, it will stay on your credit report for seven years from when the original delinquency occurred. After the seventh anniversary of the late payment, it will fall off your reports and won’t impact your credit score any longer.",{"type":1109,"content":1249},[1250,1252,1258],{"text":1251,"type":1113},"But how big of an impact does a late payment make on your credit? Paying bills on time is the most influential action you can take to boost your credit, accounting for up to ",{"text":1253,"type":1113,"marks":1254},"35%",[1255],{"type":501,"attrs":1256},{"href":1257,"title":29},"https://www.experian.com/blogs/ask-experian/what-kinds-of-bills-affect-credit-scores/",{"text":1259,"type":1113}," of your score. Further, future lenders, landlords, creditors, insurers, etc. want to see that you make your payments on time.",{"type":1109,"content":1261},[1262,1264,1270],{"text":1263,"type":1113},"If you do miss a payment by 30 days, your ",{"text":1265,"type":1113,"marks":1266},"credit score",[1267],{"type":501,"attrs":1268},{"href":1269,"title":29},"//a.storyblok.com/f/67269/476071f781/fico_consumer_credit_activity_infographic.pdf",{"text":1271,"type":1113}," could drop by anywhere from 20 to 80 points. If your payment is 90 days late, the impact will worsen and you could see a drop of up to 180 points. The amount your score will drop depends on multiple factors including your starting score, credit utilization, revolving balances, credit history, recent inquiries, and delinquencies.",{"type":1119,"attrs":1273,"content":1274},{"level":1121},[1275],{"text":1276,"type":1113},"How do I fix a late payment?",{"type":1109,"content":1278},[1279],{"text":1280,"type":1113},"If you made a late payment, the damage has been done. While you may be able to contact your lender or creditor to ask for a one-time courtesy credit to cover a fee, the best thing you can do is prevent the problem from happening again.",{"type":1109,"content":1282},[1283,1285,1291],{"text":1284,"type":1113},"Take a look at why your payment was late. Are you a business owner who is experiencing late payments from your clients or customers? If so, you may want to consider ",{"text":1286,"type":1113,"marks":1287},"payment strategies",[1288],{"type":501,"attrs":1289},{"href":1290,"title":29},"https://fundbox.com/blog/late-payments-consider-strategies/",{"text":1292,"type":1113}," to ensure your income is coming in on time.",{"type":1109,"content":1294},[1295],{"text":1296,"type":1113},"Did you have a surprise expense that put you behind? Strategize how you can build an emergency fund for that kind of situation.",{"type":1109,"content":1298},[1299,1301,1307],{"text":1300,"type":1113},"And if you are facing difficulties due to the pandemic and need further assistance, look into the current ",{"text":1302,"type":1113,"marks":1303},"government relief programs",[1304],{"type":501,"attrs":1305},{"href":1306,"title":29},"https://www.sba.gov/funding-programs/loans/coronavirus-relief-options",{"text":1308,"type":1113}," available for small businesses.",{"type":1109,"content":1310},[1311],{"text":1312,"type":1113},"Most of us will face a time when money gets tight for one reason or another. Luckily, you do have some leeway when it comes to late payments. In most cases, you’ll have 30 days to catch up before it will impact your credit report. However, it’s best to try and get caught up as soon as possible and take steps to prevent late payments in the future.","Is a tight budget making it hard for you to pay bills on time? Many people have experienced financial difficulties …",6,"content-page--blogpost",{"name":1317,"filename":1318,"fieldtype":38},"Young African Businesswoman Checking Credit Score On Laptop At Office","//a.storyblok.com/f/67269/e8c13f0a12/shutterstock_420069268.jpg","bottom-left-curve","yellow","late-payment-credit-score","blog/late-payment-credit-score",-7440,[],168458522,"c1cc7455-cdf0-49e9-85f0-b50524d23d76","2021-04-13T11:47:36.000Z",[],[1330,1338,1345,1352],{"type":1331,"id":1332,"link":1333,"title":1334,"image":1335,"tags":1337},"blog-posts",169926566,"/blog/get-certified-lgbtqia-owned-business","How to get certified as an LGBTQIA+ owned business",{"filename":1336,"alt":29},"//a.storyblok.com/f/67269/aa23fca621/how-to-get-certified-as-an-lgbt-owned-business.png",[730,694],{"type":1331,"id":1339,"link":1340,"title":1341,"image":1342,"tags":1344},169926565,"/blog/4-things-consider-choosing-bank-small-business","4 Things to Consider When Choosing a Bank For Your Small Business",{"filename":1343,"alt":29},"//a.storyblok.com/f/67269/0767cce511/12-copy.jpg",[740,694],{"type":1331,"id":1346,"link":1347,"title":1348,"image":1349,"tags":1351},462253081,"/blog/business-credit-reporting:-everything-you-need-to-know-as-a-small-business-owner","Business Credit Reporting: Everything You Need to Know as a Small Business Owner",{"filename":1350,"alt":29},"https://a.storyblok.com/f/67269/1200x801/b8cc3948b4/smb-owner-works-on-reports.jpg",[694,840,848,702],{"type":1331,"id":1353,"link":1354,"title":1355,"image":1356,"tags":1358},417395975,"/blog/how-small-businesses-are-using-ai-technology-to-grow","How Small Businesses Are Using AI Technology to Grow",{"filename":1357,"alt":29},"https://a.storyblok.com/f/67269/95d344f6eb/shutterstock_1715071441.jpg",[694,840,832],1778867192576]