Greenbox Capital Review

Greenbox Capital is a direct lender that specializes in small business loans. Its primary selling point is its responsible funding practices, which aim to provide tailored lending solutions to each specific business.

Short Term Loan Best for
4 /5
$ 400 /mo
Starting Price
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Table of Contents

    What Loans Greenbox Capital offers

    You’ll find five different loan product on offer and the full range includes:

    • Merchant cash advances
    • Small business loans
    • Collateral loans
    • Business lines of credit
    • Invoice factoring

    While services are offered to most types of business, Greenbox specializes in several niche industries including loans to auto dealers, dental practices, law firms, and restaurants.

    How Greenbox Capital works

    Terms will vary slightly across the product range, but most loans will typically include:

    • Starting interest rates of 7.99%
    • Borrowing amount between $5,000 and $500,000
    • Repayment terms between three and 12 months

    The above terms should be used as a starting guideline only.

    Once you’ve submitted your application, a funding advisor will contact you to discuss your specific circumstances in more detail.

    In this way, Greenbox is able to offer a loan more tailored to your business circumstances. 

    How do I qualify for Greenbox Capital?

    • Your business must be based in either the US or Canada
    • Your business must have been in operation for at least five months
    • You’ll need at least $7,500 in monthly revenue
    • There are no credit requirements. Your application will be assessed based on the health of your business. You’ll be assessed on cash flow, vendor payment history and years in business

    Greenbox Capital Pros And Cons


    • High maximum borrowing amount
    • No credit score requirements
    • Funding received within 24 hours of approval


    • The interest rate upper limit isn’t disclosed
    • Short repayment terms
    • No fee information is disclosed

    How do I apply for Greenbox Capital? 

    You’ll first need to fill in the online application form, which should only take a few minutes.

    Then a funding advisor will call you, usually within an hour, to discuss your specific lending needs.

    Once you’ve agreed on the type of loan that works best for you, funds will be deposited within 24 hours.

    Documents I need to apply for Greenbox Capital 

    The lender doesn’t go into detail on the specific documents you need, this will be decided following discussion with your funding advisor.

    However, you’ll typically be expected to provide at least three months of your business bank statements.

    Greenbox Capital for bad credit

    With no credit requirements at all, Greenbox seems to be a good choice for those with bad credit.

    You should bear in mind, though, that you’ll be assessed on multiple other criteria such as revenue, time in operation, and vendor payment history.

    So if you’ve missed payments to suppliers and creditors in the past, this will reflect badly on your application.

    You might want to try another provider that specializes in those with bad credit if you have concerns.

    Greenbox Capital customer support

    A helpline is open between 9:00 a.m. and 6:00 p.m. ET.

    You can also send any questions you might have via email.


    As Greenbox tailors its loan terms to each customer, it can be difficult to know what you’re getting into before you actually apply.

    You could end up paying higher than expected interest rates, and the 12-month repayment limit might be restrictive for some.

    You might want to try a lender like Kabbage, which has longer repayment terms and discloses its rates clearly before you apply.