fundivi Launches Card Processing Loans for Small Businesses
The new product lends up to 70 percent of a business's average monthly card processing volume, with repayment tied to card sales.
Updated on Nov. 5, 2026 in Credit Cards
fundivi launched credit card processing loans for small businesses on November 2, 2026. The loans cover up to 70 percent of a business's average monthly card processing volume, with a maximum of $1,000,000, and businesses taking them must move their card processing to fundivi.
Why it matters
The structure ties repayment to the card sales that support the financing, offering small businesses a financing option linked to their payment activity. Eligibility rules, including minimum processing volume and the share of revenue taken through cards, determine which businesses can access it.
The product sizes loans at up to 70 percent of average monthly card processing volume, capped at $1,000,000, with qualifying businesses needing at least $10,000 in monthly card volume and more than 30 percent of sales through cards. Costs, fees and interest rates were not disclosed in the launch materials.
The players
fundivi
fundivi is a New York City-based company offering card payment processing and financing to small businesses.
The details
The financing combines loans based on card sales with a card payment processing service, and businesses must move their card processing to fundivi to take the loans. Eligible business types include restaurants, retail shops, salons, e-commerce brands and service businesses, and applicants must provide recent card processing statements and pass prequalification and underwriting.
Timeline
November 2, 2026: fundivi launches credit card processing loans for small businesses.
November 5, 2026: Press release published about the launch.
Market Dynamics
The launch extends revenue-based financing, in which repayment is drawn from ongoing card sales, by bundling it with a card processing service. This pairing lets the lender see processing volume directly when setting loan sizes.
Small business owners who rely on card sales can compare this financing against other funding options, but the cost and approval standards remain undisclosed. Owners should review the repayment terms and the processing switch requirement before committing.
The takeaway
Businesses weighing card-linked financing should check whether repayment is tied to their sales and whether they must switch payment processors. Comparing total costs once pricing is published will show whether the structure fits their cash flow.
Further reading
For related coverage of how card-linked financing works, see Credit Cards.
