Fundivi business funding applicants no longer need to meet a minimum personal credit score under an eligibility standard that took effect on October 26, 2026. The change applies nationwide, although businesses must still meet operating and financial requirements and pass underwriting.
Key Takeaways
- Applicants must have operated for at least six months, average $20,000 in monthly revenue and maintain positive cash flow.
- Past defaults or poor personal credit do not automatically disqualify an applicant, but credit information remains part of the review.
- Fundivi offers funding directly and through a network of commercial lending partners.
Fundivi business funding eligibility
Fundivi announced the updated standard on October 27, saying it applies to businesses across the United States and across personal credit profiles. The company said current business performance, including cash flow and revenue trends, is considered alongside credit information.
Removing the minimum score does not guarantee an offer. Applications remain subject to underwriting, and final rates and terms depend on the applicant’s qualifications and the product selected.
| Item | Details |
|---|---|
| Effective date | October 26, 2026 |
| Time in business | At least six months |
| Average monthly revenue | At least $20,000 |
| Cash flow | Positive |
| Personal credit score | No minimum; credit information remains part of underwriting |
How the funding process works
Applicants submit one application through Fundivi’s model, which combines direct funding with a network of commercial lending partners. Its offerings include business loans and revenue-based financing, with working capital available for needs such as payroll, inventory and marketing.
Approved applicants may be eligible for same-day funding, though timing depends on the product and approval terms. Fundivi also offers online tools for assessing eligibility, matching products and calculating financing costs.
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Disclaimer
This FinanceVelix article provides general information, not personalized financial, investment, legal, or tax advice. Market prices, interest rates and economic conditions can change; investments carry a risk of loss. Facts reflect the material available when published and may change. Check important information independently and consult a qualified professional when needed. Mentioning an asset, company, or service is not an endorsement.
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