Capital against tomorrow's card sales.

A merchant cash advance is a purchase of future card-receipts at a discount. Fundivi advances capital up front; you repay through a small daily holdback from your credit-card processor until the agreed amount is delivered. There's no fixed monthly payment — repayment scales with your card volume, so a slow week is naturally a smaller week.

MCAs are built for businesses with consistent card volume — restaurants, salons, retail, e-commerce — where daily settlement is already happening. The trade-off is speed and access for cost: factor rates are typically higher than term-loan APRs, but qualification is faster and credit thresholds are more forgiving.

This is the fastest funding product we offer. We can typically deliver capital the same day the application is approved, with minimal paperwork and a more flexible underwriting view than a term loan. It fits restaurants, retail, e-commerce, and any operator whose business runs primarily through card processors.