Fundivi, the BBB-accredited direct lender headquartered in Brooklyn, New York, has expanded its platform in four directions at once. Alongside two new capital products, Bridge Capital and Working Capital, the company has opened its Affiliate Program to the general public and introduced a Referral Program for existing customers and community members. Taken together, the announcements reflect a deliberate effort to build not just a lending platform but a complete ecosystem that serves small businesses at every stage of growth and invites the wider community around those businesses to take part in the platform’s continued expansion.

The moves follow a period of sustained national recognition that has positioned fundivi as one of the most discussed direct lending platforms in the American small business capital market. The company has been rated one of the best small business funding institutions by Business Loans IQ and has been published on USA Today, MSN Money, Business Insider, Morningstar, Benzinga, Digital Journal, CEO Weekly, Apple News, and WeFunder, among other national publications. That media footprint reflects the consistency of what the platform delivers rather than the volume of its promotional investment.

The Core Platform and What Same-Day Funding Actually Means

Before the new products and programs make sense, it helps to understand what fundivi has already built. The company has constructed a lending platform that removes the major sources of friction from the business funding experience in a way that many competing platforms have not fully matched.

The application takes as little as two minutes. There are no tax returns to assemble, no physical documents to prepare, and no mandatory conversations with loan officers before a business owner can submit. The platform collects only the information that is genuinely necessary for accurate underwriting, and it presents that process in a format that respects the business owner’s time.

Once a file is submitted, fundivi’s AI-powered underwriting engine evaluates it immediately. The engine reads real-time revenue patterns, cash flow data, and account activity to generate a funding offer that reflects the business’s current performance rather than a historical approximation. In many cases, decisions arrive in the business owner’s secure online portal within hours of submission. Capital is available the same day an offer is accepted.

The platform requires no collateral and no personal warranty. Every evaluation rests on the strength of what the business is doing today. A rate match warranty backs competitive pricing across the full product suite, and BBB accreditation provides independent third-party verification of the company’s commitment to ethical, transparent practices. These features combine into a platform experience that differs in structure, not just appearance, from what business owners encounter at traditional banks or at online platforms that have modernized their interfaces without rebuilding their evaluation and disbursement infrastructure.

Bridge Capital Funds at the Speed of Opportunity

The Bridge Capital product addresses one of the most time-sensitive capital needs that small businesses face. Bridge capital situations arise when a business needs access to funds quickly during a transitional period and cannot wait for a conventional lending process to run its course.

The scenarios that create these needs vary. A business awaiting the close of a larger financing arrangement needs to maintain operational continuity in the interim. A business that has identified a specific opportunity with a limited window needs to act before that window closes. A business managing the space between major revenue cycles needs support to maintain the service quality its clients depend on. In each case, the defining feature is that timing matters in a way that makes a slow response equivalent to no response at all.

The fundivi Bridge Capital product serves each of these situations with the same speed and transparency that define every product on the platform. Qualified businesses apply through the same two-minute process, receive an AI-generated offer within hours, and access capital the same day they accept. The product does not require a different application, a different evaluation timeline, or a different disbursement infrastructure. It runs on the same system that has made fundivi’s core product a benchmark for same-day small business funding.

Working Capital Provides Consistent Operational Fuel

Working capital is not a crisis product. It is the resource that powers the day-to-day operations of a business running at full capacity. It covers the gap between when expenses must be paid and when the revenue that will cover them arrives. It funds payroll during growth phases, inventory ahead of seasonal demand, and marketing investment before the revenue that investment will generate has posted.

For businesses that are growing, working capital is often the difference between pursuing an opportunity and watching it pass. For businesses that are stable, it is what holds that stability steady when the rhythm of expenses and revenue creates temporary gaps. The fundivi Working Capital funding solution delivers this resource through the same fast, transparent, AI-evaluated process that every other fundivi product uses, so the operational funding a business needs is available at the speed of business rather than the speed of institutional lending calendars.

The Affiliate Program Opens to the Public

The fundivi Affiliate Program is now open to the public, creating a way for any individual or organization with authentic connections to small business owners to take part in the platform’s growth. The program is built around referral quality rather than referral volume, aligning the interests of the affiliate, the business owner being referred, and fundivi as the funding platform.

Financial professionals who work directly with small business owners form a natural participant base. Accountants, bookkeepers, tax preparers, and financial advisors interact regularly with owners who face capital needs and are well positioned to introduce those owners to a platform that can serve them quickly and transparently. Business consultants, coaches, and growth advisors are similarly aligned. Beyond professionals, entrepreneurs, community leaders, and content creators who cover the small business economy can all participate in the program through the connections they facilitate.

Affiliates who join the program have access to tools, resources, and support that help them represent the fundivi platform accurately and effectively. The program terms are presented with the same transparency that fundivi applies to every element of its business.

The Referral Program Lets Customers Share What Works

The fundivi Referral Program gives existing fundivi customers a structured way to connect the business owners they know to the platform. Customers refer a business owner from the Referrals tab in their client portal, then follow every referral from lead to funded under a permanent referral code, with live status visible in one place.

For customers who have already worked with the platform, the referral program is a natural extension of a story they already have reason to share. The experience of applying in two minutes, receiving a decision within hours, and accessing capital the same day an offer is accepted is one that many business owners would want their peers to know about. The referral program gives that sharing a structure and a way to keep track of it. For business owners who have not yet worked with fundivi, opening an account is the entry point into the program and the broader community.

What Separates fundivi From Other Online Lenders

A business owner who has applied for funding through several online platforms will quickly notice that fundivi is different. The differences are not cosmetic. They are structural.

Most online lenders have modernized the front end of their application while leaving the underlying evaluation and disbursement infrastructure largely unchanged. The application may be shorter and more digital, but the evaluation still runs through a human review queue that introduces unpredictable delays. The disbursement may be faster than a bank’s, yet capital still may not arrive the same day an offer is accepted. The rates may be marketed as competitive, but no specific warranty backs that claim.

At fundivi, the application takes as little as two minutes. An AI-powered underwriting engine handles the evaluation immediately, reading real-time business data rather than waiting for a human reviewer. Capital is available the same day an offer is accepted. The rate match warranty is a specific, verifiable commitment rather than a general marketing assertion. The absence of collateral and personal warranty requirements reflects a genuine structural choice to evaluate businesses on current performance rather than on asset availability or personal financial exposure. Each difference represents a deliberate design decision about what a modern direct lending platform should be.

fundivi serves qualified small businesses across all fifty states and is available at fundivi.com.

Disclaimer: This content is for informational purposes only and is not intended as financial advice, nor does it replace professional financial advice, investment advice, or any other type of advice. You should seek the advice of a qualified financial advisor or other professional before making any financial decisions.