Fundbox vs CAN Capital 2026: Line of Credit vs Traditional MCA
Fundbox vs CAN Capital compared: line of credit vs traditional MCA, rates, credit requirements, and real costs. See which fits your business in 2026.
Key Takeaways
- Fundbox is dramatically cheaper $30K over 24 weeks costs $3,960 at Fundbox vs $9,600 on 9-month CAN Capital MCA.
- CAN Capital only for 500-599 credit Fundbox requires 600 minimum.
- Different products Fundbox = line of credit. CAN Capital = traditional MCA.
- Fundbox has no prepayment penalty fees stop accruing when balance is paid off.
- Both require 6 months in business newer businesses need to look elsewhere.
Fundbox and CAN Capital target different kinds of small business borrowers. Fundbox is a modern line of credit with easy qualification. CAN Capital is one of the oldest MCA providers, known for accepting borrowers with very low credit scores. Here is when each one fits.
Quick Verdict
Choose Fundbox in almost every situation. Lower cost, more flexibility, no prepayment penalty, and 600 minimum credit is still accessible.
Choose CAN Capital only if your credit score is between 500 and 599 (below Fundbox's 600 minimum). In that narrow case, CAN Capital is one of the few providers that will approve you.
Side-by-Side Comparison
| | Fundbox | CAN Capital | |---|---|---| | Product | Line of credit | MCA | | Funding range | $1,000 to $150,000 | $2,500 to $250,000 | | Cost | Weekly fee 4.66% to 8.99% | Factor rate 1.15 to 1.45 | | Minimum credit | 600 | 500 | | Minimum revenue | $100,000 | $150,000 | | Time in business | 6 months | 6 months | | Repayment | 12 or 24 weeks per draw | Daily holdback over 6-12 months | | Prepayment penalty | None | Some products have discounts |
Cost Comparison
On a $30,000 need:
- Fundbox over 24 weeks at 5.5% weekly: approximately $3,960 in fees
- CAN Capital MCA at factor 1.32 over 9 months: $39,600 total, $9,600 in costs
Fundbox is dramatically cheaper. The tradeoff: CAN Capital accepts credit scores as low as 500.
When CAN Capital Is Your Only Option
If your credit score is 500-599:
- Fundbox will decline (600 minimum)
- OnDeck will decline (625 minimum)
- Kabbage will decline (640 minimum)
CAN Capital is one of the few MCA providers that publicly accepts scores below 550. Rapid Finance also accepts 500 minimum. Credibly accepts 550 minimum.
For everyone else, Fundbox is the better choice.