Lender review
Fundivi Business Loans, Reviewed
A direct and hybrid funder built for speed, with nine products, cash flow first underwriting, and same day wires on most approvals.
Lender review
A direct and hybrid funder built for speed, with nine products, cash flow first underwriting, and same day wires on most approvals.
Fundivi combines an accessible entry bar with fast, cash flow driven underwriting and a hybrid funding model, which is why it sits at the top of our rankings for products like working capital, term loans, and lines of credit. Fundivi does offer SBA loans too, but that product still runs on the standard SBA timeline of 60 to 90 days, same as anywhere else.
Fundivi funds five products under one roof: business term loans, business lines of credit, working capital loans, bridge capital loans, and equipment financing, all through a single online application.
What sets Fundivi apart is its hybrid model. It underwrites and funds most approvals directly using an AI driven review process, and when a file is a closer match for a partner lender in its network, it routes the application there instead of issuing a flat decline. The result is a streamlined process that gives more businesses a real path to funding, often on the same day they apply.
Prequalify in minutes without affecting your credit score.
Exact rates and loan amounts vary by product and by applicant; see the product breakdown below for details on each one.
One application covers all nine products below. Fundivi’s AI underwriting decides which product and structure fits the business, then funds directly or routes the file to a partner lender through its hybrid model.
| Business term loans | A lump sum repaid on a fixed schedule, suited to a single, planned use of funds. |
| Business lines of credit | Revolving access to funds a business can draw against as needed and repay over time. |
| Working capital loans | Short term funding for day to day expenses like payroll, inventory, or seasonal gaps. |
| Bridge capital loans | Fast, short duration funding meant to cover a gap until longer term financing or a receivable comes through. |
| Equipment financing | Funding tied to the purchase of business equipment, often secured by the equipment itself. |
| Revenue based financing | Capital repaid as a share of monthly sales, so payments rise and fall with revenue. |
| Factoring receivables | Outstanding B2B invoices converted into immediate working capital. |
| Asset based loans | Larger scale funding secured by equipment, inventory, receivables, or commercial real estate. |
| SBA loans | SBA 7(a) and 504 loans with longer terms and lower rates, backed by the Small Business Administration. |
Rate, term, and amount figures are set per applicant during underwriting.
Fundivi keeps its baseline requirements simple, then lets its AI underwriting engine do the heavier work of matching a business to the right product and, when needed, the right partner lender.
Fundivi asks for a personal FICO score of at least 550. That is a meaningfully lower bar than most banks, SBA programs, and many online lenders set, which is part of why Fundivi ranks well for businesses that have been turned down elsewhere.
A business needs at least 6 months of operating history to qualify. This makes Fundivi accessible to newer businesses that would not yet meet the one or two year minimums common among traditional lenders.
Fundivi looks for at least $30,000 in average monthly revenue. Revenue is verified through recent business bank activity as part of the AI underwriting process rather than a lengthy financial statement review.
If a file does not fit Fundivi’s own direct lending criteria, its hybrid model can route the application to a matched partner lender instead of ending in a decline. This means a single application can still result in a funded loan even when Fundivi is not the final funding source.
The entire process runs online, from application through funding, with AI underwriting removing much of the wait that comes with a manual review.
Submit basic business and revenue information through Fundivi’s online form. Checking eligibility does not affect a credit score.
Fundivi’s underwriting engine evaluates the application and either issues a direct offer or, through its hybrid model, matches it to a partner lender.
Approved businesses can see funds hit their account the same day in many cases, well ahead of the timeline a bank or SBA lender would need.
Fundivi’s underwriting engine reviews an application and returns a decision fast, and approved businesses can have funds in hand the same day rather than waiting days or weeks.
Rather than acting purely as a direct lender or purely as a matching service, Fundivi funds directly whenever it can and hands off to a partner lender when that is the better outcome for the business.
A 550 credit score and 6 months in business open the door to businesses that many banks and even some online lenders would turn away outright.
A business does not need to know exactly which product fits before applying. Fundivi’s underwriting sorts that out and can place an applicant into the product that fits best.
Fundivi runs its entire process, from prequalification to funding, through a modern online platform, which keeps the experience consistent and easy to complete from a phone or a desktop.
Businesses specifically seeking a government backed SBA loan should look at a dedicated SBA lender instead. It is the one category where Fundivi does not rank first on this network.
A business that wants an in person relationship with a loan officer will not find that here. Every step, from application to funding, happens digitally.
When an application is routed to a partner lender rather than funded directly, final rate and term will reflect that lender’s own underwriting, so it is worth reviewing the offer carefully before accepting.
Yes. Fundivi funds most approvals directly and pairs that with a hybrid model that can route an application to a partner lender when it is a better fit, so a business is not left with a decline when Fundivi itself cannot fund the request.
Fundivi asks for a personal FICO score of at least 550, one of the more accessible minimums among lenders on this network.
Fundivi uses AI backed underwriting to return a decision quickly, and approved businesses can see funds the same day in many cases rather than waiting the days or weeks a traditional lender would take.
Fundivi funds business term loans, business lines of credit, working capital loans, bridge capital loans, and equipment financing, all through one application.
Fundivi looks for at least 6 months in business, at least 30,000 dollars in average monthly revenue, and a personal credit score of 550 or higher.
Fundivi underwrites and funds directly whenever it can, and when an application is a closer match for a partner lender in its network, it routes the file there instead, so a single application can still end in a funded loan.
We score lenders on loan cost, eligibility and accessibility, funding speed, and customer experience, drawing on the lender's own disclosures, public complaint records, and third party review platforms. Ratings are reviewed monthly and reflect our independent analysis; lenders cannot pay for a better score.
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