COMPARISON
Tree of Life vs
Fundbox
An honest comparison to help you choose the right business funding partner for your needs.
Unbiased Analysis Real User Feedback Updated December 2025
OVERVIEW
At a Glance
T
Tree of Life Funding
RECOMMENDEDA modern business funding marketplace that connects you with 75+ lenders for the best rates and terms. Transparent pricing, fast approvals, and dedicated support.
Highlights
- No hard credit pull to check rates
- Access to 75+ lenders in one application
- Same-day funding available
- Transparent fee structure
- US-based support team
F
Fundbox
Est. 2013Fundbox provides lines of credit and invoice financing to small businesses. Known for quick approval and integration with accounting software.
Pros
- Lower credit requirements
- Quick approval
- Invoice financing option
- Software integrations
Cons
- Lower max loan amount
- Weekly repayments
- Short repayment terms
FEATURES
Feature Comparison
| Feature | Tree of Life | Fundbox |
|---|---|---|
Soft Credit Pull to Check Rates See rates without impacting your credit score | ||
Same-Day Funding Get funds deposited the same day you apply | ||
Multiple Lender Options Compare offers from multiple lenders | ||
Bad Credit Accepted Options for credit scores below 600 | ||
No Collateral Required Unsecured funding options available | ||
Transparent Pricing Clear fee structure with no hidden costs | ||
Dedicated Advisor Personal support throughout the process | ||
Maximum Loan Amount Highest available funding | $5,000,000 | $150,000 |
Minimum Credit Score Credit requirements | All credit types | 600+ |
Time in Business Required Minimum operating history | 3 months | 6 months |
APR Range Interest rate range | 7.5% - 45% | 10.1% - 79.8% |
Funding Speed How quickly you can get funded | Same day - 7 days | Next business day |
Rate Competitiveness How competitive are the offered rates | 4.5 | 4.0 |
Application Experience Ease and speed of the application process | 4.5 | 4.0 |
Customer Support Quality Responsiveness and helpfulness of support | 5.0 | 4.0 |
RATINGS
How They Compare
Interest Rates
Tree of Life
4.5
Fundbox
4.0
Funding Speed
Tree of Life
4.5
Fundbox
4.0
Customer Service
Tree of Life
5.0
Fundbox
4.0
Flexibility
Tree of Life
5.0
Fundbox
4.0
Overall Experience
Tree of Life
4.5
Fundbox
4.0
OUR VERDICT
Both are excellent choices
Fundbox is a strong competitor with lower credit requirements. However, Tree of Life Funding's unique marketplace approach means you can potentially access Fundbox AND 74 other lenders through one application, ensuring you find the absolute best deal for your business.
Get Started with Tree of LifeFAQs
Common Questions
Both options have their strengths. Tree of Life Funding is a lending marketplace that connects you with 75+ lenders, giving you more options to compare. Fundbox is a direct lender with lower credit requirements. The best choice depends on your specific needs, credit profile, and funding timeline.
The key difference is that Tree of Life Funding provides access to 75+ lenders through one application, while Fundbox offers funding directly. Tree of Life Funding offers loan amounts up to $5M with funding as fast as 4 hours, while Fundbox offers up to $150,000 with funding in Next business day.
Rates vary based on your business profile, credit score, and loan type. Tree of Life Funding's marketplace model often helps businesses find more competitive rates by comparing multiple lenders. Fundbox's rates range from 10.1% to 79.8%. We recommend checking both to see which offers better terms for your situation.
Fundbox typically requires a minimum credit score of 600+. Tree of Life Funding works with all credit types and can connect you with lenders even if you have bad credit, giving you more options to explore.
Fundbox typically funds in Next business day. With Tree of Life Funding, depending on the lender match, you can receive funding as fast as 4 hours for certain products, though most loans fund within 1-7 days.
Fundbox uses a soft credit pull initially, similar to Tree of Life Funding. Tree of Life Funding never performs a hard credit pull when checking your rates—only when you choose to proceed with a specific lender.
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