Small Business LoansEleven products. One application. Decisions the same day.
Compare every Fundivi funding product in one place: amounts, terms, starting rates, decision times and the documents each one needs. Apply once and we match your file to the structure that fits, from our own capital or a vetted partner.
- Decision in hours ยท wired same day
- Bank-grade encryption
- in business
- 6+ Months
- monthly revenue
- $20K+
- credit score
- No Minimum
- cash flow
- Positive
Every product, side by side.
Amounts, terms, starting rates, decision times and document counts come straight from each product page, so what you read here is what you will find there.
| Product | Amount | Term | Starting rate | Decision | Documents | Best for |
|---|---|---|---|---|---|---|
| Revenue Based Financing | $50,000 to $5,000,000 | 6 to 24 months | 1.28 factor rate | Same day | 3 to 5 documents | Seasonal or variable revenue that needs payments to flex with sales |
| Working Capital | $10,000 to $2,000,000 | 3 to 18 months | 1.23 factor rate | Same day | 3 to 5 documents | Payroll, inventory, marketing and short-term cash gaps, funded fast |
| Merchant Cash Advance | $10,000 to $2,000,000 | 3 to 18 months | 1.28 factor rate | Same day | 3 to 5 documents | Card-heavy businesses repaying as a small daily share of receipts |
| Bridge Capital | $50,000 to $1,000,000 | 3 to 24 months | 1.28 factor rate | Within 3 hours | 3 to 6 documents | A deadline before a known funding event: a close, a receivable, a refinance |
| Factoring Receivables | $25,000 to $10,000,000 | Revolving, tied to invoice aging | 1.23 factor rate | 1 to 2 weeks | 4 to 6 documents | B2B businesses waiting 30 to 90 days on unpaid invoices |
| Asset Based Loans | $250,000 to $25,000,000+ | 1 to 7 years | 1.23 factor rate | 1 to 2 weeks | 6 to 10 documents | Larger needs secured by equipment, inventory, receivables or real estate |
| Business Term Loans | $25,000 to $5,000,000 | 1 to 3 years | 1.16 factor rate | Same day | 4 to 7 documents | Planned investments that suit a fixed payment and a clear maturity |
| SBA Loans | $50,000 to $5,000,000 | 10 to 25 years | 10% APR | 60 to 90 days | 8 to 15 documents | Established businesses that can wait for the lowest rates and longest terms |
| Business Lines of Credit | $10,000 to $1,000,000 | 12-month revolving, renewable | 1.16 factor rate | 1 to 3 days | 3 to 5 documents | Ongoing or recurring needs where you draw only what you use |
| Equipment Financing | $15,000 to $3,000,000 | 2 to 7 years | 1.23 factor rate | 24 to 72 hours | 4 to 6 documents | Buying trucks, machines or kitchens with the equipment as security |
| Credit Card Payment Processing Loans | $7,000 to $1,000,000 | 6 to 18 months | 1.30 factor rate | Fast | 6 documents | Businesses that process card payments and want to borrow against that volume |
Pick the structure that fits the problem.
Each product has its own page with the full terms, requirements and answers. Open the one that matches what you need, or apply once and let us route you.
Revenue Based Financing
Borrow against future revenue. Repayments adjust with your sales. Quiet months, quiet payments.
- Amount
- $50K to $5M
- Decision
- Same day
- Cost
- Starting from 1.28 factor rate
Working Capital
Plain working capital. Sized to your operations, deployed in hours, repaid as a small share of revenue. No collateral on most deals.
- Amount
- $10K to $2M
- Decision
- Same day
- Cost
- Starting from 1.23 factor rate
Merchant Cash Advance
An advance on future business receivables. A small percentage of each day's revenue goes toward repayment until the advance is settled.
- Amount
- $10K to $2M
- Decision
- Same day
- Cost
- Starting from 1.28 factor rate
Bridge Capital
Short-term, revolving capital that closes the gap before a known funding event, a refinance, a close, a receivable, a sale. Credit lines up to $1,000,000, rates from 7%/month, decisions in about 3 hours, and same-day funding on clean files.
- Amount
- $50K to $1M
- Decision
- Within 3 hours
- Cost
- Starting from 1.28 factor rate
Factoring Receivables
Sell outstanding B2B invoices for an immediate advance. The factor collects from your customer on the original net terms. You stop waiting.
- Amount
- $25K to $10M
- Decision
- 1 to 2 weeks
- Cost
- Starting from 1.23 factor rate
Asset Based Loans
A loan secured against business assets. Equipment, inventory, accounts receivable, or real estate. Higher loan-to-value than unsecured options.
- Amount
- $250K to $25M+
- Decision
- 1 to 2 weeks
- Cost
- Starting from 1.23 factor rate
Business Term Loans
A traditional lump-sum loan with a set repayment schedule. Same payment, same date, every month.
- Amount
- $25K to $5M
- Decision
- Same day
- Cost
- Starting from 1.16 factor rate
SBA Loans
SBA 7(a) and 504 loans backed by the Small Business Administration. Lower rates, longer terms, larger amounts. Slower to close, cheaper to carry.
- Amount
- $50K to $5M
- Decision
- 60 to 90 days
- Cost
- Starting from 10% APR
Business Lines of Credit
A revolving credit line you can draw against as needs arise. Pay interest only on what you've drawn. Repay and the room comes back.
- Amount
- $10K to $1M
- Decision
- 1 to 3 days
- Cost
- Starting from 1.16 factor rate
Equipment Financing
Finance the truck, the kitchen, the CNC machine, the fleet. The equipment itself secures the loan, so pricing beats unsecured products and your working capital stays untouched.
- Amount
- $15K to $3M
- Decision
- 24 to 72 hours
- Cost
- Starting from 1.23 factor rate
Credit Card Payment Processing Loans
Loans up to 70% of your average monthly card processing volume, up to $1M. Switch your card processing to us and save on processing fees, guaranteed.
- Amount
- $7K to $1M
- Decision
- Fast
- Cost
- Starting from 1.30 factor rate
Starting rates are the lowest rates we offer, shown for reference only, and are not a quote or a guarantee. Your rate and terms depend on your qualifications and are confirmed in a written offer.
Clear these and you are in the range we fund.
These are the published minimums for most products. Meeting them means your application will be reviewed on the strength of the business; it does not promise an approval or a specific offer.
- in business6+ Months
- Six months of operating history is enough for most products. Term loans and SBA loans look for longer, and the table above says which.
- monthly revenue$20K+
- Around $20,000 a month in deposits puts you in the range we fund. Higher revenue opens larger amounts and lower pricing.
- credit scoreNo Minimum
- There is no minimum credit score to apply. Credit is one factor among several, and it is rarely the deciding one.
- cash flowPositive
- We read your bank statements for real deposits, balances and payment history. A business that cash flows is a business we can usually work with.
What most products ask for
- Last 3 months of business bank statements
- Voided business check
- Copy of the owner's driver's license
- Basic details about the business and the amount you need
Term loans add a tax return. Asset-based and SBA loans ask for more, including collateral documents. Each product page lists its full set.
Four steps. One business day for most files.
The same process behind every product, whether we fund it directly or a partner does.
- 01
Apply
Tell us about your business and the amount you need. No hard credit pull at this stage.
About 3 min - 02
Review
We read your bank statements for cash flow, time in business and what the funds are for, not just a credit score.
Same day - 03
Decision
A written offer with the amount, term and itemized fees, or a clear decline with the reason behind it.
Same day - 04
Funded
Accept and sign, and funds are wired to your business bank account. Many approved businesses are funded the same business day.
Same day for many approvals
One relationship, every path to capital.
A hybrid model built around a simple idea: your business should deal with one team that fits, not a dozen open tabs.
Our own capital plus a partner network
When a file fits our own book we fund it directly. When it calls for a different structure, a lending partner we have already vetted picks it up on the same application. One file, every path, nothing shopped around blind.
Same-day decisions and wires
Our underwriting engine reads a file in minutes, so most applications get a real decision the same business day. Once terms are signed, many approved businesses see funds the same day.
Cash flow over credit score
We start with what your bank statements show: real deposits, real balances, real payment history. There is no minimum credit score, and a thin or bruised file is not an automatic no.
Answer the question before you apply.
No hard credit pull, no call back to wait on. See where you stand, which product fits, and what an offer really costs.
- 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
- 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
- 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
Across the categories you operate in.
One underwriting desk, every industry, all 50 states. Where you operate does not change how fast you get an answer.
Small business loan questions, answered.
Straight answers on amounts, credit, speed, documents and cost. Each product page has its own FAQ for the details.
What counts as a small business loan at Fundivi?
Any of the eleven funding products on this page: working capital, revenue-based financing, merchant cash advances, bridge capital, factoring, asset-based loans, term loans, SBA loans, lines of credit, equipment financing and credit card processing loans. Some are loans in the strict sense and some are advances against future receipts. We call them all small business loans here because that is what business owners search for, and the comparison table above shows how each one is actually structured.
How much can I borrow?
Most of our products range from $10,000 to $5,000,000. Credit card processing loans start lower, at $7,000, and asset-based loans can go higher for businesses with the collateral to support it. The amount you qualify for depends on your monthly revenue, your cash flow and the product, and your written offer states the exact figure.
What are the minimum requirements?
Six or more months in business, around $20,000 or more in monthly revenue, a business checking account and positive cash flow. There is no minimum credit score. Some products ask for more: term loans look for two years in business and $250,000 in annual revenue, and SBA loans follow the SBA's own eligibility rules.
Do I need good credit to get a small business loan?
No. We have no minimum credit score. Credit is one factor among several, and we weigh cash flow, time in business and what the funds are for alongside it. Strong credit opens the lowest pricing, especially on term loans and lines of credit, but a lower score does not rule you out of working capital or revenue-based products.
How fast can I get funded?
Most applications get a decision the same business day, and many approved businesses are funded the same day they sign. Working capital, revenue-based financing, bridge capital and term loans move fastest. Factoring and asset-based loans take one to two weeks because collateral has to be verified, and SBA loans take 60 to 90 days. The decision column in the table above shows the typical timing for each product.
Will applying affect my credit score?
The initial application uses a soft inquiry, which does not affect your score. A hard credit pull only happens if you move forward with a full application and choose to accept an offer that requires one, and we tell you before it happens.
What documents do I need?
For most products, the last three months of business bank statements, a voided business check and a copy of the owner's driver's license. Term loans add your most recent tax return. Asset-based loans and SBA loans ask for more, including financial statements and collateral documentation. The documents column in the table gives the typical count per product.
What is a factor rate, and how does it compare to an APR?
A factor rate is a multiplier on the amount advanced. At a 1.23 factor rate, $100,000 advanced is repaid as $123,000, however long the term runs. An APR is an annual interest rate. Because a factor rate ignores the term, a short-term advance at a modest factor rate can carry a high APR. Our free cost calculator converts a quoted factor rate into its total cost and effective APR so you can compare offers on equal footing.
Which product is right for my business?
Start with the use of funds. A short cash gap points to working capital. Variable revenue points to revenue-based financing. A purchase of equipment points to equipment financing. Unpaid invoices point to factoring. If you are not sure, apply once and we match your file to the structure that fits, or run the free funding product matcher first to see the reasoning before you apply.
Is Fundivi a lender or a broker?
Both, in the sense that matters: we fund many deals directly from our own capital, and when a file calls for a different structure it goes to a lending partner we have already vetted, on the same application. Unlike a broker, we underwrite your file first and never shop it around blind.
Can I get funding if I already have a loan or an advance?
Often, yes. An existing loan or advance is part of the cash flow picture, not an automatic decline. We look at your total payments against your deposits and structure around what the business can carry. In some cases a term loan can refinance existing positions into one predictable payment.
What can I use the funds for?
Any legitimate business purpose: payroll, inventory, equipment, marketing, a new location, hiring, a tax bill, or refinancing higher-cost debt. Restricted uses are limited to passive investments, speculative trading, gambling and anything illegal.
Are there fees?
There is no application fee. Any origination, ACH or servicing fee is itemized in your written offer before you sign, so the total cost of the money is clear up front. If we charge it, you see it first.
Which industries do you fund?
Construction, restaurants, retail and e-commerce, professional services, auto, manufacturing, health care, logistics and most other industries operating in the United States. We fund businesses in all 50 states.
See what your business qualifies for.
Three minutes to apply, a decision the same business day for most files, and same-day funding for many approved businesses. No hard credit pull at this stage.
Fundivi 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.
Starting rates are the lowest rates we offer, shown for reference only, and are not a quote or a guarantee. Your rate and terms depend on your qualifications and are confirmed in a written offer.