The team behind Fundivi has spent 7+ years funding businesses.
Long before the Fundivi name existed, this same team was already funding businesses directly and through a network of vetted lending partners, combining real lending experience with technology built for speed. Today that work runs under Fundivi. No brokers, no shopping your file around, and no waiting weeks for an answer you could have had in hours.
- Decision in hours · wired same day
- Bank-grade encryption
- Years of proven experience
- 7+
- In annual funding capacity
- $1B+
- Businesses helped secure funding
- 3,000+
- Funding range
- $10K to $5M
Started by people who had already seen the problem.
The team pioneering Fundivi started this work after years spent inside business lending, watching the same failure happen from every seat in the room. A qualified business would apply, then wait. Their file would get shopped to lenders they never chose, by a broker paid to move volume, not to find the right fit. Weeks would pass before anyone gave a straight answer, and often the answer that finally came back had nothing to do with what the business actually needed.
That work started under different brand names, each built to remove the same layer entirely. Instead of shopping a file around after the fact, this team built a platform that reads a business the way an underwriter does from the start, cash flow, time in business, credit, and what the funds are actually for, and matches it directly to the right structure. When a deal fits our own book, we fund it ourselves. When it does not, it goes to a partner we have already vetted, not a broker taking a cut in the middle.
Today, that same platform runs under Fundivi, still built on the same underwriting engine, the same direct capital, and the same standard for how fast a decision should take that this team set from the start.
One platform, built to get out of your way.
Every product Fundivi offers runs through the same underwriting engine. That is what makes same day funding possible: not a promise, a process built for it from the start.
Cash flow first, credit score second
Most lenders start and stop at a credit score. We start with what your bank statements actually show: real revenue, real balances, real payment history. Credit still matters, it is one of the clearest signals we have, but it is not the only one, and it does not have to be the deciding one.
Technology that reads a file in minutes, not hours
Our underwriting engine evaluates the same numbers a person would, at a speed a person cannot match. Most applications get a decision the same business day, and funding follows the same day for most approvals once terms are signed.
Funding sized for every business, exactly as it stands today.
From a fifteen person restaurant group to a construction company scaling into a new market, we fund businesses of every size, in every industry, and in nearly every situation, including ones a traditional bank would turn away without a second look.
Every stage
From businesses just past their first year to companies with a decade of history behind them, our products are built to scale with where a business actually is, not where a rigid credit box assumes it should be.
Every situation
Strong credit, thin credit, a recent default, an existing loan you are still paying down: we have a structure built for a wide range of real world profiles, not just the cleanest files.
Talk to a real person, not a call queue.
Our business funding advisors are a direct line to real answers about which product fits, what a file needs, and where things stand. Reach out to anyone below directly.
From application to funded, in four steps.
The same process behind every product we offer, whether we fund it directly or through a partner.
Apply
A short application captures what a lender actually needs, revenue, balance history, and what the funds are for, usually in a couple of minutes.
Match
Your file is measured against our own direct lending criteria and our partner network at the same time, so nothing sits waiting to be reviewed twice.
Decision
Most applications get a real decision the same business day, with the specific reasoning behind it, not a generic approval or denial.
Funded
Once terms are signed, funds move the same day for most approvals. No second round of paperwork, no new portal to learn.
Nine ways to fund a business, one platform behind all of them.
- Revenue Based FinancingCapital repaid as a percentage of ongoing revenue, so payments flex with how the business is actually doing.Learn more
- Working CapitalFast, flexible funding for immediate needs like payroll, inventory, or a short term cash flow gap.Learn more
- Bridge CapitalShort term funding that covers you until a specific event, like an incoming receivable or a closing.Learn more
- Factoring ReceivablesAn advance against invoices you have already issued, so you are not waiting on your own customers to pay.Learn more
- Asset Based LoansFunding sized against equipment, inventory, or receivables already on your books.Learn more
- Business Term LoansA lump sum with a fixed schedule, suited to planned investments and businesses with stronger credit.Learn more
- SBA LoansSBA 7(a) and 504 loans backed by the Small Business Administration. Lower rates, longer terms, larger amounts. Slower to close, cheaper to carry.Learn more
- Business Lines of CreditA revolving facility you draw from as needed, built for ongoing or seasonal cash flow needs.Learn more
- Equipment FinancingFinancing tied directly to the equipment you are purchasing, with the asset itself as security.Learn more
Tools that answer the question before you apply.
No hard credit pull, no waiting on a call back. See where you stand in a couple of minutes.
- Funding Product MatcherFind your funding fitAnswer a few questions about revenue, credit and what the money is for, and see which product fits, with the reasoning shown.Open tool
- Underwriting EngineUnderwriting engineEnter your revenue, balances and existing payments to see the likely outcome, an estimated range, and what is holding you back.Open tool
- ResourcesGuides and resourcesPractical guides on capital strategy and financing a growing business, written for operators.Open tool
- Cost CalculatorFunding cost calculatorEnter an amount, a factor rate and a term to see the total cost and the effective APR a factor rate hides.Open tool
- Pre-QualifySee what you qualify forPre-qualify in about three minutes with no hard credit pull, and see what your business can access.Open tool
Common questions about Fundivi.
Do you check personal credit?
Yes, but it is one factor among several, not the deciding one. We weigh cash flow, time in business, and what the funds are for alongside your credit score. Our online tools, like the product matcher and cost calculator, never pull your credit, and pre-qualifying uses a soft inquiry only, which does not affect your score.
What if my business is less than a year old?
You can still apply. Time in business is one factor we weigh, not a hard cutoff. Newer businesses tend to have more options with working capital or bridge capital, which weigh cash flow more heavily than a long operating history.
How is Fundivi different from a broker?
A broker shops your file to lenders after you apply, often without full transparency into where it is going. Fundivi underwrites your file first, funds it directly when it fits our own criteria, and only routes it to a vetted partner when it does not. Nothing gets shopped around blind.
See what fits your business.
Three minutes to apply, a real decision in hours, and funding the same day for most approvals.
See What You Qualify ForFundivi provides business capital solutions, including business loans and revenue based financing, directly and through a network of trusted third party funding providers. All funding offers are subject to meeting our prequalification and underwriting criteria at the time of submission. Rates, terms, and conditions vary based on borrower qualifications. Fundivi does not guarantee approval or specific terms. This page is for general informational purposes and does not constitute an offer, a commitment to lend, or a credit decision.