fundivi Expands Small Business Funding with Hybrid Lending and Cash-Flow Underwriting

Brooklyn-based fundivi has launched a hybrid lending model designed to streamline capital access for small businesses by combining direct balance-sheet financing with a vetted partner network. For fintech professionals, this represents a growing trend of orchestration in the SME lending space, where platforms prioritize speed and approval rates through multi-path underwriting and cash-flow-centric analysis.

What was announced

The core of the announcement is fundivi’s hybrid structure, which allows business owners to submit a single application to be evaluated for both in-house capital and external partner funding. This model is designed to maximize the likelihood of approval by routing applications to the most appropriate source based on the business's specific profile. The platform offers nine distinct financing products, with funding amounts ranging from $10,000 to $5,000,000. Approved applicants can access same-day wire transfers, and the service is available across all 50 U.S. states.

A key differentiator is the underwriting methodology. Rather than relying solely on personal credit scores, fundivi prioritizes operational cash flow and bank activity. To facilitate this, the company introduced two digital tools: a browser-based underwriting engine and a funding product matcher. The underwriting engine allows users to see potential qualification outcomes without a hard credit pull or the storage of personal data, while the matcher identifies specific products suited to the business’s needs. Additionally, fundivi provides a loan cost calculator and a library of educational resources to demystify the financing process. The platform’s approach and tools have also undergone an independent review by Business Loans IQ to provide third-party validation for prospective borrowers, aiming to reduce the "black box" nature of traditional commercial lending applications. This transparency is intended to help owners prepare documentation and understand the true cost of funding products before they formally apply.

"Our hybrid funding model and transparent underwriting tools are built to give business owners fast, reliable answers and capital without unnecessary obstacles. We designed the underwriting engine and product matcher so an owner can see where they stand before committing to a full application."

Steven Kay, Representative at fundivi.

The companies involved

fundivi is a business funding platform headquartered in Brooklyn, New York. Operating in the competitive alternative lending sector, the company focuses on providing accessible capital to small and medium-sized enterprises (SMEs) that may struggle to secure traditional bank loans due to rigid credit requirements. By positioning itself as both a direct lender and a marketplace, fundivi occupies a middle ground in the fintech ecosystem, leveraging its own balance sheet to maintain skin in the game while utilizing a network of partners to ensure a wide product range.

The company’s focus on transparency—evidenced by its "no-pull" underwriting engine and its collaboration with independent reviewers like Business Loans IQ—is a strategic move to build trust in a market often criticized for opaque terms and aggressive sales tactics. As a Brooklyn-based entity, fundivi joins a dense cluster of East Coast fintech firms aiming to disrupt the commercial lending landscape through data-driven underwriting and improved user experiences. The firm’s emphasis on bank activity over personal credit history aligns with the needs of modern businesses that may have strong cash flows but lack the long-term credit history required by legacy financial institutions.

What this means

The shift toward hybrid lending models highlights a maturing SME finance market where "no" is no longer an acceptable final answer for digital platforms. By blending direct lending with a marketplace approach, fundivi is insulating itself against the volatility of its own balance sheet while maintaining customer ownership. This puts significant pressure on traditional banks and single-source alternative lenders who cannot match the speed or the approval versatility of a multi-path engine. The industry is clearly moving toward cash-flow-based underwriting as the primary metric, signaling a departure from the personal credit score as the sole gatekeeper for business growth. This raises questions about how traditional institutions will respond to the speed offered by hybrid fintech models.