Most loans begin with a question about your past: how long you have been in business, what you earned, how your credit looks. Bridge capital begins with a question about your future: where is the money coming from that will pay this back? fundivi bridge capital is described as "capital between here and there," short term revolving capital for closing a gap before a known event. Because the exit is the heart of the file, decisions can be fast. The product page says decisions come in about three hours, with same day funding on clean files. This guide starts with the exit, and builds the rest of the plan around it.
If you already have an exit in mind, you can check your prequalification with a soft inquiry. It takes about three minutes.
The Exit Test: Three Questions Before Anything Else
- What event ends this loan? A refinance, a sale, a settled receivable, an SBA closing, an insurance payout.
- When will it happen, and how do you know? A date on a contract is stronger than a hope.
- What if it slips? If the event is delayed by a month, can you still carry the cost?
If you cannot answer the first question in one sentence, bridge capital is probably the wrong product. If you can, the rest is logistics.
Five Kinds of Exit, Ranked by Strength
- Committed refinance: Example: A signed commitment letter from a lender to take out the bridge; How underwriters see it: Strongest. A named lender with a date
- Contracted sale: Example: A purchase agreement for a property, business or asset; How underwriters see it: Strong, if the buyer is financed and there are few conditions
- Settled receivable: Example: A court or insurance settlement, or a large invoice from a creditworthy payer; How underwriters see it: Strong when the payer and amount are documented
- SBA take out: Example: Bridging to a closed SBA loan; How underwriters see it: Strong once the approval is issued, weaker earlier
- Expected revenue: Example: A seasonal sales surge; How underwriters see it: Weakest, and usually better served by working capital
The product page says underwriting emphasizes exit credibility, not only trailing cash flow. That is why a documented exit matters more here than anywhere else in the fundivi lineup.
Bridge Capital by the Numbers
- Credit lines: up to $1,000,000, with the at a glance range starting at $50,000
- Term: 3 to 24 months
- Pricing: rates start at 7 percent per month
- Structure: revolving
- Decision: about 3 hours
- Funding: same day on clean files
- Time in business: 1 year or more
- Monthly revenue: $25,000 or more
- Documents: 3 to 6, including three months of bank statements, a voided check, a driver's license and the documented exit
- Flexibility: you can refinance mid term, and early payoff options are built in
What Short Term Money Really Costs
Honesty about price is part of a good bridge plan. The page says it costs more than a term loan because of its speed and short duration, but less than losing a deal or using a revenue advance over the same period. A rate of 7 percent per month is a monthly figure, not an annual one. As a pure illustration, if you carried a $100,000 balance at 7 percent per month, one month would cost $7,000, three months $21,000 and six months $42,000, if the rate and balance held constant. Your actual offer will show your rate and itemized fees.
- $7,000
- $14,000
- $21,000
- $42,000
- $84,000
The table makes the key lesson plain. Bridge capital is cheap when it is short and expensive when it is long. A bridge that covers a three week gap before a closing is a different animal from one that sits for a year. Use the cost calculator and, above all, test the product against the exit slipping.
The Bridge Calendar: Typical Gaps
- Deposit on a property closing in 21 days: Length of the gap: About 3 weeks; Exit: Sale or financing closes
- Payroll while a large invoice settles: Length of the gap: 2 to 6 weeks; Exit: Invoice paid
- Bridging to an SBA closing: Length of the gap: 1 to 3 months; Exit: SBA loan funds
- Inventory bought at a discount: Length of the gap: 1 to 3 months; Exit: Inventory sold
- Partner buyout ahead of a recapitalization: Length of the gap: 3 to 12 months; Exit: New financing replaces the bridge
- Refinance landing in 60 days: Length of the gap: 2 months; Exit: Refinance closes
Gaps measured in weeks suit the product best. Gaps measured in quarters are possible within the 3 to 24 month term, but the monthly rate adds up.
Same Day Funding in Three Hours: Inside the Decision
Bridge capital is where fundivi's speed claim is most specific. Decisions in about three hours are possible because the file is narrow: the business is real, the exit is documented and the cost is affordable.
- Hour 0: Application and documents submitted
- Hour 1: Bank activity read through the underwriting engine, exit documents reviewed
- Hour 2: Underwriter questions on the exit, amount and timeline
- Hour 3: Decision and written offer
- Same day: Sign, and funds wired on clean files
These are fundivi's typical times for clean files. A complicated exit takes longer.
Streamlined Application, Built for a Deadline
The bridge application is the shortest of all: business details, bank statements, a voided check, a driver's license and the exit documents. It takes minutes and starts with a soft inquiry. The how it works page covers the four steps. If the exit is complicated, book a consultation first so the file is framed well.
Hybrid Funding Model for Deals With Odd Exits
Bridge needs are rarely standard. A deal may involve real estate, a settlement, an acquisition or an SBA process, and not every lender likes every exit. Your application is reviewed once against fundivi's own criteria. If it fits, fundivi funds it. If not, it moves to a vetted lending partner with no resubmission. On a deal with a deadline, that is the difference between losing a day and losing the deal.
Best Rated Claims, Checked: What Bridge Borrowers Can Verify
fundivi publishes no star ratings, so none appear here. What a borrower can check:
- A Better Business Bureau Business Review seal for fundivi Inc. in Brooklyn, New York
- A candid statement of what the product costs relative to alternatives
- Refinance and early payoff options built into the product
- Written offers with itemized fees
- A soft inquiry prequalification and a consultation option
Ask early for the draft agreement and read the fees, default, extension and security sections. The page lists security as a question without publishing the answer.
How to Build the Exit File
The exit file is the document set that proves the event is real. Assemble it before you apply.
- For a refinance: the commitment letter, the lender's name, the expected closing date and any conditions that remain open.
- For a sale: the signed purchase agreement, the buyer's financing evidence and the closing timeline.
- For a receivable: the invoice or settlement paperwork, the payer's identity and its payment history if you have one.
- For an SBA take out: the approval letter or the current status of the application, with the expected closing date.
- A one page summary that states the amount borrowed, the date the exit is expected and your fallback if it slips.
A one page summary is more helpful than it sounds. Underwriters are reading many files, and a clean summary lets them see the structure in a minute. It also forces you to confront the weak points in your own plan, which is the best reason to write it.
Questions to Ask Before You Sign
- What is the exact monthly rate, and is it applied to the drawn balance or the full line?
- Are there origination, draw or extension fees?
- What happens if the exit is delayed by one month, three months or six?
- Can I refinance mid term, and what does that cost?
- Is there a penalty or a discount for early payoff?
- Is the line secured, and if so, by what?
- Is a personal guarantee required?
Write the answers down. A bridge is a short product, and short products reward people who understand their terms from day one.
Bridge Capital Versus the Alternatives
- Working capital: When it wins: General cash needs without a defined exit; When bridge wins: Exit is documented and you want a larger revolving line
- Term loan: When it wins: You need years to repay; When bridge wins: The need is weeks or months
- Line of credit: When it wins: Recurring small needs; When bridge wins: One large, defined event
- Invoice factoring: When it wins: Many invoices aging; When bridge wins: One large receivable
- Merchant cash advance: When it wins: Steady daily revenue; When bridge wins: Revenue will not cover repayment but an exit will
A Worked Example: The Equipment Dealer
An equipment dealer has a chance to buy a used fleet for $180,000, at a discount that will let it resell the units for about $240,000. The seller wants cash in ten days. The dealer has $300,000 of receivables from its own customers due in 45 days but only $20,000 in the bank.
The exit is clear: resales within 60 days and receivables due. The dealer applies for a $150,000 line, with the receivable schedule and a letter of intent from a buyer as the documented exit. After a decision in hours, the money is wired the same afternoon. When resales close, the dealer pays down the line and keeps the profit. If one resale falls through, the dealer's receivables still cover the cost. The key is that the exit was documented before the money was borrowed.
The Mistakes That Sink Bridge Deals
- Borrowing against an exit that depends on someone else's approval.
- Underestimating how long the exit will take.
- Forgetting that a monthly rate compounds over time.
- Skipping the plan for what happens if the exit slips.
- Using a bridge for ongoing losses instead of a defined gap.
Bridge Capital FAQ: Exits, Costs and Timing
How fast can I get bridge capital?
fundivi quotes decisions in about three hours and same day funding on clean files. The speed comes from the narrow focus of the file: the business is operating, the exit is documented and the cost is affordable. A complicated exit, such as a sale with several conditions, takes longer, and the quoted times are typical and not promised.
What is the amount?
Credit lines up to $1,000,000, with the at a glance range starting at $50,000. The line is revolving, so you can draw, repay and draw again within the term. Size the line to the gap you need to bridge, because the cost runs on the balance you carry.
What does it cost?
Rates start at 7 percent per month. The page says it costs more than a term loan because of its speed and short duration, but less than losing a deal or using a revenue advance over the same period. As an illustration, a $100,000 balance at 7 percent per month costs $7,000 per month, so the product rewards short gaps. Your offer lists itemized fees.
What is the term?
Three to 24 months, revolving. Gaps measured in weeks suit the product best. Longer terms are possible, but the monthly rate adds up, so a long bridge should be refinanced into cheaper permanent financing as soon as the exit allows.
What is an exit?
The event that repays the loan: a refinance commitment, a sale agreement, an SBA take out, an insurance or legal settlement or a large receivable. A documented exit is required and is the heart of the underwriting. A signed commitment letter or purchase agreement is stronger than an expectation of future sales.
Does the exit have to be proven?
The requirements say a documented exit is needed, and underwriting emphasizes how credible it is, not only trailing cash flow. A named lender with a date, a financed buyer with a contract or a payer with a settled amount are the strongest forms. Prepare a one page summary of the exit, the date and your fallback.
What if the exit is delayed?
Ask in advance. The product allows mid term refinance and early payoff options, but a delayed exit costs more because the monthly rate keeps running. Build a delay of a month or two into your cost estimate and make sure you can carry it. If the exit depends on a third party's approval, treat the date as uncertain.
What are the eligibility requirements?
One year in business, $25,000 or more in monthly revenue, a documented exit, three months of bank statements, a voided business check and a copy of your driver's license, for three to six documents in total. The revenue requirement shows the lender wants evidence that the business can carry the cost in the interim.
Is bridge capital secured?
The page lists this as a question without publishing the answer. Ask whether the line is secured, by what and whether a personal guarantee applies. Get the answer in writing before you sign, since security terms affect your risk if the exit slips.
Can I pay it off early?
Early payoff options are built in. Confirm the terms and any fees. Because the rate is monthly, paying off as soon as the exit closes saves real money, so ask how payoff is calculated mid month.
Is it good for a new business?
The product wants a year in business. Younger businesses can look at working capital, which starts at four months. If you have a strong documented exit but a short history, a consultation can help find the best path.
What if I am declined?
You get reasons, and the application can be routed to a vetted lending partner without resubmission. Bridge deals are often unusual, and different partners have different appetites for different exits, which can make the second look worthwhile.
Learn about the company on the about page, or find more guides in the resources library. The funding product matcher can confirm the right product. Approval is not guaranteed. Rates and terms depend on qualifications, and the cost table is an illustration, not an offer.
