From application to capital in 24 hours.
Most Fundivi applications complete in four steps, without the paperwork and waiting that usually comes with a traditional bank process. Just the right answer, fast, and the reasoning behind it.
- Decision in hours · wired same day
- Bank-grade encryption
Four steps. One business day.
The same process behind every product Fundivi offers, whether we fund it directly or through a vetted partner.
You apply
Tell us about your funding need, your business, and how to reach you. A short application, no hard credit pull at this stage.
We review
We look at cash flow, time in business, and what the funds are for, not just a credit score. Your file is measured against our own direct lending criteria and our partner network at the same time.
Decision
Approval, a conditional offer, or a clear decline with the reason behind it. No unexplained rejections. You will always know why.
Capital wired
Once you accept, capital wires to your business account. Most operators see funds the same business day they sign.
What you will need.
Have these ready and the three minute application stays three minutes.
To get started
- Three months of business bank statements
- A government issued photo ID
- Your legal business name and entity type
- An estimate of monthly revenue
- What the funds will be used for
Might come up later
- Your most recent business tax return
- A voided check for the account funds will wire to
- Details on any existing loans or advances
- A lease or equipment invoice, for certain products
Track your application in real time.
Once submitted, your application has a live state. No generic promise to call you back next week, just where things actually stand.
No black box. Every stage of your file is visible while it happens, not after. If you are approved, you will see it here first. If you are not, you will see the specific reason, not a form letter.
- Bank statements verified✓
- Cash flow analyzed✓
- Underwriter assigned✓
- Decision pending…
Cash flow first. Credit score second.
We read three months of bank statements before we read your credit score. Trends in deposits, average daily balance, and what the funds are for tell us more about a business than any single number ever could.
Credit still matters, it is one of the clearest signals a lender has, but it does not have to be the deciding one. If we can fund you, you will know inside a business day. If we cannot, you will know why, in writing.
One application, two ways to get funded.
This is the part that actually happens during step two, and it is why a decline from Fundivi is rare.
When Fundivi funds directly
Your file is measured against Fundivi's own lending criteria first. If it fits, Fundivi funds it directly, with fewer parties involved and nothing added to the cost of the deal along the way.
When a vetted partner funds it
If your file does not fit Fundivi's own book, it does not get a flat decline. It moves to a lending partner Fundivi has already vetted, on the same application, with no resubmission and no broker shopping your file around blind.
Across the categories you actually operate in.
Every product runs through the same underwriting engine, regardless of industry.
What this process looks like at scale.
- Years of proven experience
- 7+
- In annual funding capacity
- $1B+
- Businesses helped secure funding
- 3,000+
- Typical decision timeframe
- Same day
See where you stand before you apply.
No hard credit pull, no waiting on a call back. These tools run on the same underwriting logic described above.
- 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
Have a question none of this answers? Fundivi's business funding advisors are a direct line to real answers, not a support ticket queue.
Contact an advisorCommon questions.
A few things worth knowing before you apply.
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 documents will I need?
Typically the last three months of business bank statements, a government issued photo ID, and basic information about your business. Depending on the product, we may ask for a few additional documents once your file moves into underwriting.
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.
Will applying hurt my credit?
The initial application does not include a hard credit pull. A hard credit inquiry only happens if you move forward with a full application and choose to accept an offer, and we will always be clear about when that happens.
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.
Get Pre-ApprovedFundivi 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. By submitting an application, you consent to Fundivi and its lending partners reviewing your information and performing credit inquiries as necessary. This is not a commitment to lend. All applications are subject to verification and approval.