Fundivi Announces Updated Business Funding Eligibility With No Minimum Credit Score

The updated criteria support nationwide funding applications from businesses at different growth stages, subject to operating history, revenue, cash flow and underwriting requirements.

Brooklyn, New York, October 27, 2026 -- Fundivi announced an updated eligibility standard for business funding applicants nationwide, effective October 26, 2026, removing any minimum personal credit score requirement from its review process. The update applies to businesses across the United States that have been operating for at least six months, generate an average of $20,000 in monthly revenue and maintain positive cash flow.

The revised criteria cover businesses at different stages of growth, from those building an operating record beyond their first six months to established businesses planning their next investment. The standard applies across credit profiles, from business owners who have experienced past credit difficulties to those with strong personal credit, with each applicant evaluated under the same baseline operating history, revenue and cash-flow requirements. Fundivi's working-capital options support needs such as payroll, inventory and marketing.

Under the updated standard, applicants submit a single application through Fundivi's hybrid funding model, which combines direct funding with an extensive nationwide network of commercial lending partners. The combined direct-funding and partner-network model provides potential approval capability of up to 90% of applicants across credit profiles. This figure describes potential approval capability, not a historical approval rate or a guarantee of funding for an individual applicant. Applicants can review the standard and submit an application directly through fundivi. Time in business, average monthly revenue and positive cash flow remain baseline requirements, and the absence of a minimum credit score does not guarantee approval. Applications remain subject to underwriting, and final terms vary by product.

Past defaults and poor personal credit history do not automatically disqualify an applicant under the updated standard. Fundivi's underwriting looks at how a business is performing currently, including its cash flow and revenue trend, alongside credit information gathered during the review. Across credit profiles, Fundivi's objective is to offer competitive rates and terms, with the specific offer an applicant receives depending on their qualifications, the product selected and underwriting results. Approved applicants may be eligible for same-day funding, with timing dependent on the product and the terms of approval.

Fundivi makes an underwriting engine, a loan matching tool and a cost calculator available to business owners evaluating their options. The underwriting engine allows an owner to see where a business stands before applying, the loan matching tool identifies funding products suited to a business profile, and the cost calculator helps an owner evaluate financing costs before making a decision. Owners comparing options can also find information on business lenders and business loan companies as part of their research.

"Removing the minimum credit score from our review lets more business owners see where they actually stand based on how their business is performing today," said Steven Kay, Business Advisor at Fundivi. "Six months in business, $20,000 in average monthly revenue and positive cash flow remain the starting point, and our tools let an owner check those numbers against their own business before they apply."

Fundivi provides business capital solutions nationwide, including business loans and revenue-based financing, directly and through a network of vetted funding providers. Its platform evaluates cash flow, operating history, credit and funding needs to match businesses with financing structures. Fundivi also offers online underwriting, product-matching and cost-calculation resources. Funding offers remain subject to prequalification and underwriting, with rates and terms varying by borrower qualifications.

Contact Info:
Name: Steven Kay
Email: Send Email
Organization: fundivi
Website: https://www.fundivi.com

Release ID: 89207504

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