At Joist, we’re committed to helping contractors like you succeed. That’s why we’ve partnered with Fundbox, a trusted financing provider, to offer Joist Lending -- a seamless way to access funds and keep your projects moving forward.
What is Joist Lending?
Joist Lending through Fundbox gives you quick access to capital to cover business expenses like materials, payroll, equipment, or unexpected costs. Whether you’re waiting on client payments or need upfront funds for a new project, this feature helps you maintain cash flow and grow your business with confidence.
How It Works
Apply in Minutes
Access Joist Lending directly from your Joist account.
Fill out a simple application.
Get a Decision Fast
Fundbox reviews your application quickly.
Approved? You’ll see your credit limit and terms upfront.
Access Funds
Withdraw funds to your bank account as needed, up to your credit limit.
You can expect funds to arrive within 2 business days of when you draw.
Use the money for your business expenses.
Repay with Flexibility
Choose repayment terms for different draws based on your cash flow needs.
No cost to open your Fundbox account or keep it open.
No early repayment fees.
Why Fundbox?
Fundbox is a leader in small business financing, trusted by thousands of contractors. They offer:
Easy Integration: Works seamlessly within your Joist account.
Fair Terms: Competitive rates and credit limits based on your business health.
Trusted Security: Bank-level encryption to protect your data.
Getting Started
Go to your Joist app settings > Joist Lending.
Create a new account with Fundbox (or log in if you already have an account with Fundbox).
Follow the prompts to apply with Fundbox.
Note: Fundbox will ask about your average monthly revenue for the last 3 months.
Frequently Asked Questions
Q: Will this affect my credit score?
A: Fundbox will do a soft inquiry for initial assessment, which will not affect your credit score. Fundbox may also do periodic soft inquiries for credit reassessments.
Fundbox will only do a hard inquiry when you use your Fundbox credit for the first time.
Q: Are there fees?
A: You’ll see a clear fee structure before accepting funds. No hidden costs.
Q: How much can I borrow?
A: Fundbox offers loans up to $250,000*
If you are approved for Fundbox credit, you may borrow up to your available credit limit. The limit will be determined according to the information you provided in your application.
Q: Is Joist Lending available in my country?
A: Currently, Joist Lending is only available in the USA.
Q: How do I get help with other questions?
A: You can find answers to more frequently asked questions and support from the Fundbox team at help.fundbox.com or reach out to Joist's customer support team at hello@joist.com
*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.