Fixed capital. Fixed payments. Predictable.

A term loan is the simplest funding structure: a fixed lump sum, a fixed monthly payment, a fixed maturity. You know exactly what you owe and exactly when it's paid off. Predictable for cash-flow planning, easy to model into a forecast, and competitive on rate compared to revenue-based products.

Term loans suit operators who need a discrete amount of capital for a specific purpose: a build-out, a new location, a hire ramp, an acquisition, a refinance. Because the structure is straightforward, term loans typically carry the lowest pricing among non-collateralized commercial credit options. Provided the borrower's cash flow and credit profile support it.

Fundivi term loans fit established operators with at least two years of operating history, consistent revenue, and a use of funds that benefits from predictable monthly amortization. Equipment purchases, expansion capital, debt consolidation, and major one-time projects. We offer both secured and unsecured options depending on deal size and credit profile.