Fundbox: improveit 360 Lending FAQ

Overview

improveit 360 Lending, powered by Fundbox gives you access to working capital to help fund materials, pay crews, and keep jobs moving—without waiting on customer payments.

You can access improveit 360 Lending through improveit 360 and apply directly through a secure Fundbox experience.

As your business grows, so do the demands on your cash flow. Materials need to be purchased, crews need to be paid, and projects need to move forward—often before customer payments come in.

improveit 360 Lending is designed to help you bridge that gap.

Powered by Fundbox, it gives you fast, flexible access to capital so your production can keep pace with your pipeline—without the delays and complexity of traditional financing.

How does improveit 360 Lending work?

improveit 360 Lending provides access to a line of credit that you can use to cover business expenses like materials, labor, and project costs.

The process is simple:

1. Apply online through the improveit 360 Lending link
2. Receive a decision in minutes*
3. Access funds (if approved) and use them to support your jobs

If approved, funds may be available as soon as the next business day*.

How do I apply for improveit 360 Lending?

To apply:

1. Click the improveit 360 Lending link provided in your email or inside improveit 360 resources located on the Welcome Hub or Dashboard (admin only)
2. Complete a short online application through Fundbox
3. Review your available options and submit your application

The application is fully digital and typically takes just a few minutes to complete.

How much can I borrow?

Fundbox offers access to funding of up to $250,000*.

If approved, you’ll receive a credit limit based on your business profile, including factors like revenue and financial history. You can borrow up to your available limit and use funds as needed.

What can I use improveit 360 Lending for?

You can use improveit 360 Lending to support your day-to-day operations, including:

1. Purchasing materials for upcoming jobs
2. Covering payroll and crew expenses
3. Managing multiple active projects
4. Bridging gaps between job costs and customer payments

How do Fundbox draws work?

If approved, you’ll receive access to a credit line.

1. You can draw (use) only the amount you need
2. Funds are deposited into your business account
3. Each draw is repaid over time based on your selected terms

You are only responsible for the amount you draw—not the full credit line.

This structure gives you flexibility to manage cash flow across active projects.

How do fees and repayment work?

Before you accept any funds, Fundbox offers a clear, upfront fee structure.

1. Fees are shown before you accept a draw
2. You’ll know the total repayment amount and schedule in advance
3. There are no hidden fees or surprises

Repayments are made over a fixed schedule based on the terms you select.

Will applying affect my credit score?

Fundbox may perform a credit inquiry as part of the application process.

Details about any credit checks will be provided during the application, so you know what to expect before submitting.

How quickly can I access funds?

You may receive a decision in minutes*.

If approved, funds may be available as soon as the next business day*, depending on your bank and application details.

Timing may vary based on your application and bank processing times.

Is this customer financing?

No.

improveit 360 Lending is designed to fund your business operations, not your customers.

1. Customer financing helps homeowners pay for projects
2. improveit 360 Lending helps you fund the work behind those projects—materials, labor, and execution

Do I have to use the full amount?

No.

You can:

1. Draw only what you need
2. Use funds as needed across different jobs
3. Repay based on the amount you use

Is improveit 360 Lending available everywhere?

Fundbox is currently available to eligible businesses in the United States.

Who can apply?

Eligibility is determined during the application process and is based on factors like your business revenue, history, and financial profile.

How do I get help with questions about my application or account?

For questions about your application or account, you can visit help.fundbox.com.

You can also contact improveit 360 support at [e-mail] for additional guidance.

Summary

improveit 360 Lending makes it easier to manage cash flow and keep projects moving by giving you access to working capital when you need it.

*Note: All financing is subject to final lender underwriting review and approval. Credit line amounts, rates, and terms are based on creditworthiness and subject to change, additional documentation may be required.

Loans and lines of credit are made available by Fundbox or its bank partners, First Electronic Bank and Lead Bank.