BLIQ Editor's Pick — Verified Lender
Fundivi stands out as a genuinely fast, transparent direct lender in 2026. Eight funding products under one roof, cash flow-first underwriting with no minimum credit score, and same-day decisions make it a strong option for established businesses that can't afford a multi-week bank process. Documented decline reasons, a live application tracker, and a rate match guarantee raise the bar further. Best for businesses with 9+ months of history and $30K+ monthly revenue.
Fundivi stands out as a genuinely fast, transparent direct lender in 2026. Eight funding products under one roof, cash flow-first underwriting with no minimum credit score, and same-day decisions make it a strong option for established businesses that can't afford a multi-week bank process. Documented decline reasons, a live application tracker, and a rate match guarantee raise the bar further. Best for businesses with 9+ months of history and $30K+ monthly revenue.
Fundivi was built to solve two problems most alternative lenders fail at: speed and transparency. Here is what sets them apart from the competition.
Fundivi funding can be deployed across a wide range of business needs. Here are the most common ways borrowers put the capital to work.
Cover payroll, rent, insurance, and daily operations without straining your cash reserves between revenue cycles.
Finance machinery, vehicles, technology, or any business equipment without tying up working capital or draining cash reserves.
Stock up ahead of peak season, capitalize on bulk supplier deals, or maintain inventory levels that support consistent sales performance.
Bridge the gap between when expenses are due and when revenue arrives. Particularly valuable for businesses with irregular payment cycles or seasonal revenue patterns.
Open a new location, hire additional staff, scale marketing spend, or fund a growth initiative that requires capital before revenue catches up.
If clients pay on net-30, net-60, or longer terms, Fundivi’s factoring and bridge products convert outstanding receivables into immediate working capital.
All products start with the same 3-minute application. A single advisor guides you to the right fit based on your revenue, timeline, and use of funds.
Repayments flex with your monthly revenue. Quiet months mean smaller payments. Evaluated on 3-month cash flow trend.
Fast operating cash for payroll, inventory, and daily expenses. Often decides and funds on the same business day.
Short-term capital to bridge the gap before a confirmed funding event. Guaranteed decision within 3 business hours.
Revolving credit you draw, repay, and draw again. Pay interest only on what you use.
Fixed monthly payments with a defined maturity date. Ideal for planned investments and expansion projects.
Convert outstanding B2B invoices into immediate capital. Best for businesses with slow-paying clients.
Capital secured against equipment, inventory, AR, or commercial real estate. For larger capital needs.
Government-backed loans with the lowest rates and longest terms. Best for businesses with strong financials.
Enter your business info, monthly revenue, and loan amount online. No documents or credit check required at this stage.
Fundivi analyzes 3 months of bank statements. Revenue trend is the primary qualifier — not credit score alone.
Every outcome — approval, conditional, or decline — comes with a clear reason and a defined next step. No black-box rejections.
Approved funds hit your account the same business day. A live dashboard tracks every stage in real time.
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Fundivi
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Fora Financial
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OnDeck
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Credibly
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Kapitus
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Kalamata Capital Group
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| Eligibility | ||||||
| Loan Amount | $10K – $5M | $5K – $1.5M | $5K – $400K | $5K – $600K | $10K – $5M | $5K – $2M |
| Time in Business | 9+ Months | 6+ Months | 12+ Months | 6+ Months | 12+ Months | 6+ Months |
| Monthly Revenue | $30K+ | $12K+ | $8,333+ | $15K+ | $21K+ | $10K+ |
| Min. Credit Score | None | 500 | 625+ | 500+ | 600+ | None |
| Loan Details | ||||||
| Funding Speed | Same Day | 72 Hours | Same Day | 24 Hours | 24–48 Hours | Same Day |
| Approval | Within 3 Hours | — | — | 4 Hours | — | 4 Hours |
| Rating | ||||||
| Rating | ||||||
| BBB Rating | A- | A+ | A+ | A+ | N/A | A+ |
| Apply Now | Apply | Apply | Apply | Apply | Apply | |
Fundivi is a direct lender. They fund from their own balance sheet and a vetted capital network. Borrowers work with one Fundivi team from application through wire — never passed to a third party after applying.
There is no minimum credit score. Fundivi’s underwriting model evaluates cash flow and monthly revenue as the primary factors. Strong, consistent revenue can qualify a business even with poor or no credit history.
No hard credit pull at the initial application stage. Your score is not impacted by checking eligibility. A hard pull may occur later if you accept a formal offer — standard across most lending products.
Working capital and revenue-based: same business day. Bridge capital: within 3 hours. Lines of credit: 1–3 days. Term loans: 2–4 weeks. SBA loans: 30–90 days. Timelines are from receipt of a complete, verified application.
The initial application requires no documents. For fast-track products, Fundivi reviews 3 months of bank statements. Term loans, SBA, and ABL products require tax returns and financial statements.
Fundivi provides documented declines — the specific reason and, where possible, a clear path forward. This could include what would need to change in your financials, or a better-fit alternative product.
Yes. Fundivi is a registered business in Brooklyn, NY with an active BBB listing, a 5.0-star verified average on TrueReview, and media coverage in AP News, Yahoo Finance, and USA Today. Business Loans IQ has independently verified Fundivi as an active, operating direct lender.
Fundivi is a strong choice in 2026 for businesses that need capital fast, have healthy revenue, and don't want to navigate a months-long bank process. Same-day decisions, same-day wiring, no minimum credit score, and eight products under one roof make it genuinely more accessible and versatile than most of the alternative lending field.
It is best suited to businesses with 9+ months of history and $30K+ in monthly revenue. If your cash flow is strong but your credit is imperfect, Fundivi is worth a serious look. The 3-minute application has no credit impact — there is nothing to lose by checking your eligibility first.
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