Fixed capital. Fixed payments. Predictable.

A term loan is the simplest funding structure: a fixed lump sum, a fixed monthly payment, a fixed maturity. You know exactly what you owe and exactly when it's paid off — predictable for cash-flow planning, easy to model into a forecast, and competitive on rate compared to revenue-based products.

Term loans suit operators who need a discrete amount of capital for a specific purpose: a build-out, a new location, a hire ramp, an acquisition, a refinance. Because the structure is straightforward, term loans typically carry the lowest pricing among non-collateralized commercial credit options — provided the borrower's cash flow and credit profile support it.

Fundivi term loans fit established operators with at least two years of operating history, consistent revenue, and a use of funds that benefits from predictable monthly amortization — equipment purchases, expansion capital, debt consolidation, and major one-time projects. We offer both secured and unsecured options depending on deal size and credit profile.