See which product
actually fits.
Our underwriting engine tells you whether you qualify. This tool answers the next question: of the products you could get, which one suits how your business runs and what the money is for. It runs in your browser, it does not pull your credit, and it is not an offer.
- Decision in hours · wired same day
- Bank-grade encryption
Three steps to a straight answer.
This is not the same as the underwriting engine, which tells you whether you qualify and roughly how much. This tool assumes you might qualify for more than one product and helps you see which one actually fits.
- 01
Tell us about your revenue, cash position, credit, and what you already owe. Eleven questions, grouped into four short steps.
- 02
We weigh your answers against the same factors a lender weighs: credit score, time in business, leverage, open positions, and how you plan to use the funds.
- 03
You get one recommended product, a plain explanation of why it fits, and a second option worth considering if your priorities shift.
Let us find your fit.
Eleven questions, grouped into four short steps. Nothing here is submitted or stored, and no credit file is touched. The recommendation is worked out in your browser and only appears there.
Revenue and cash position
The starting point for every product decision.
Deposits in a typical month, before expenses.
Negative: often overdrawn. Low: thin, under about 5 percent of monthly revenue. Medium: a healthy cushion, roughly 5 to 15 percent. High: a strong reserve above 15 percent.
Combined outstanding balance on everything you currently owe.
- Monthly revenue
- $50,000
- Cash position
- Medium
- Credit score
- 680
- Time in business
- 24 months
- Open positions
- 0
- Need funds
- 2 to 4 weeks
Use of funds
Not selected yet
Pick an industry on step 2 and at least one use of funds on step 4 to unlock your recommendation.
Educational tool, not a credit decision. Nothing here is submitted or stored.
What each one is actually built for.
A quick reference, regardless of what the matcher recommends.
Working Capital
Fast, flexible funding for immediate needs like payroll, inventory, or a short term cash flow gap. The most accessible of the four, and the fastest to fund.
Read about Working CapitalBridge Capital
Short term funding that covers you until a specific event, like an incoming receivable, a closing, or a larger round of financing. Fast to fund, and accessible even with credit challenges.
Read about Bridge CapitalTerm Loans
A lump sum with a fixed schedule and predictable payments. Suited to planned investments like equipment or expansion, and generally requires stronger credit and more time in business.
Read about Term LoansLine of Credit
A revolving facility you draw from as needed, where you only pay for what you use. Built for ongoing or seasonal needs and businesses that want a standing safety net. Requires the strongest overall profile.
Read about Line of CreditWhat this reads, and what it cannot.
A match is worth something only if it is straight with you about its own blind spots. Here are both sides of that.
- Your true monthly revenue, and how it compares to what you already owe.
- Cash position relative to the size of your business, not against a flat dollar floor.
- Credit score, weighed heavily, since it is the clearest gate between products.
- How many positions are already open, since the fourth one changes the picture.
- What the funds are actually for, since purpose points to different products.
- Your actual credit file. Nothing here pulls a bureau, so nothing here reflects one.
- Seasonality, or the story behind one specific slow month.
- Who your customers are, or how stable that revenue really is.
- Collateral, guarantors, and equipment, all of which change what a lender can offer.
- Anything specific to your file that only comes out in a full application review.
The credit line this tool leans on hardest is 650. Below it the match narrows to working capital and bridge capital, both of which weigh bank activity over credit history. The strength bands behind the rest of the pick are planning defaults, not a tuned credit policy, and they should be read against a full underwriting review before they are treated as more than directional.
A recommendation is a starting point.
See what this looks like as a real number. Prequalifying takes about three minutes and does not affect your credit score.
See what you qualify forThis is an educational matching tool, not an offer, a credit decision, or a commitment to lend. The recommendation is based entirely on the answers you provide and does not reflect a full underwriting review. It does not pull your credit, and nothing you enter is submitted or stored. Fundivi funds many deals directly and works with a network of vetted lending partners for everything outside our own book. Actual eligibility, rates, and terms are set once a full application is reviewed. Always speak with a qualified financial advisor if you are unsure which structure fits your situation.