Working Capital Built for How You Operate 

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

Run Your Business in improveit 360. Fund Your Jobs Without Delays. 

improveit 360 gives you full visibility into your pipeline, customers, and projects. improveit 360 Lending, powered by Fundbox, extends that by giving you access to working capital—so you can fund materials, pay crews, and keep jobs moving without delays. 

Win the job, then fund the work behind it.

Funding That Matches How You Operate

Instead of waiting on receivables or relying on slow traditional financing, improveit 360 Lending gives you access to capital when you need it, so your production can keep pace with your pipeline.

Support Your Business at Every Stage of Execution

Bottom-Line Friendly Financing

Improveit 360 Lending offers small business loans with a fixed fee structure and no recurring interest. 

Optimize Your Cash Flow

Keep your cash consistent when customers pay late or during seasonal slowdowns.

Invest in Your Business

Gain fresh funding to expand your crew, upgrade equipment, or cover expenses.

Enjoy Transparent Loan Terms...

Secure a business loan with a fixed repayment fee, so you know upfront what you’ll owe.

Skip the Lengthy Application Process

Get a funding decision in as little as 3 minutes. Funds available as soon as the next business day.

Protect Your Credit Score

Applying for improveit 360 Lending’s small business loans does not impact your credit score.

Small Business Lending You Can Trust 

improveit 360 Lending is made possible in partnership with Fundbox, a leading loan platform that has unlocked over six billion dollars in capital for small businesses. With a 4.7 Trustpilot score, you can be confident in Fundbox to supply the working capital your business needs to grow.


Disclosure: Fundbox makes capital available to businesses through business loans and lines of credit originated by First Electronic Bank or Lead Bank. California businesses: Fundbox makes business loans and lines of credit loans pursuant to California Financing Law license 60DBO-48774.

All financing is subject to credit approval of a completed application. Fundbox and its bank partners base loan eligibility on their respective credit and risk policies, applicable legal requirements, and other business considerations. Financing may not be available in all states and may be subject to local restrictions where applicable.

improveit 360 Lending FAQs

Improveit 360 Lending, powered by Fundbox, gives you quick access to capital to cover business expenses like materials, payroll, equipment, or unexpected costs. Whether you’re waiting on customer payments or need upfront funds for a new project, this feature helps you maintain cash flow and grow your business with confidence.

  1. Apply in Minutes
  • Access improveit 360 Lending directly from your improveit 360 account.
  • Fill out a simple online application.

 

  1. Get a Decision Fast
  • Fundbox reviews your application quickly.
  • Approved? You’ll see your credit limit and terms upfront.

 

  1. 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.

 

  1. 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.

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. 

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.

You’ll see a clear fee structure before accepting funds. No hidden costs. 

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. 

Currently, improveit 360 Lending is only available in the USA.

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 [email protected]

*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.

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