Fintech Impact Fundbox with Prashant Fuloria | 381
Jun 24, 2025
Prashant Fuloria, CEO of Fundbox, discusses how his company is transforming access to capital for small businesses through innovative embedded finance solutions. He explains the importance of reducing friction in the financing process and uses data and AI to enhance underwriting decisions. The conversation touches on the integration of financing into daily operations, making it easier for businesses to secure funds. Prashant also shares insights on growth strategies, including partnerships and geographical expansion, while exploring the future landscape of small business financing.
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Fundbox's Founding Insight
- Fundbox addresses the longstanding capital access problem for small businesses through embedding financing in digital workflows.
- The rise of digital tools and AI enables efficient risk assessment and access to capital for small businesses.
Embedded Finance Removes Friction
- Embedded finance inserts financing directly into existing business tools, removing friction from financing processes.
- Fundbox leverages integrations and existing data to provide fast, seamless access to capital exactly when needed.
Transactional Data Powers Underwriting
- Small business underwriting relies on transactional data rather than traditional credit scores, enabling better risk assessment.
- Fundbox's machine learning model based on cash flow predicts risk three times better than traditional FICO scores for small businesses.