PayDivy is a hybrid split-funding and payments platform that helps MCA companies lend against more revenue, protect their position, and keep merchants longer — while we handle all the merchant processing and POS work for you.
ACH is easy. Traditional split funding is powerful. Both are incomplete.
Most MCA companies have moved to daily ACH withdrawals because they're fast to deploy and easy to model. But ACH alone leaves gaps: merchants can change accounts, stack multiple advances, and you're often not first in line when things go wrong. On the other hand, old-school split funding against just card volume is operationally messy and limits how much you can fund.
A modern split-funding engine with ACH flexibility — done-for-you processing included. PayDivy brings back the power of split funding, adds the flexibility of ACH, and wraps it inside a full payments and POS deployment service. You stay focused on funding; we act as your in-house payments department.
Structure advances based on total processing revenue while still collecting via a percentage of card volume calibrated to represent the whole business.
Touch the money at the processor level before it hits the merchant's account — even if you were originally 2nd or 3rd in the stack.
We handle POS selection, merchant account setup, equipment deployment, training, and ongoing support — all under your brand.
Transform your MCA business with measurable results.
Share in processing revenue on every funded merchant.
Touch the money at the processor level before it hits the merchant's bank account — even when you're second or third position in the stack.
Structure advances against total revenue while collecting via card-volume split, with ACH as a backup or hybrid option.
Merchants get used to your POS and come back for future advances.
A model that's more compliant in certain state environments than pure ACH.
PayDivy isn't just good for lenders — it creates a win-win that makes merchants eager to participate.
They receive a modern POS system that often improves their operations.
They typically get more value than ACH-only structures.
They feel like they have an advisor, not just a lender.
Payments flex with revenue — percentage-of-sales models help during slower periods.
Four clean steps — from your first funded deal to a sticky, repeat-customer relationship.
Structure advances based on total processing revenue while still collecting via a percentage of card volume calibrated to represent the whole business.
We introduce ourselves as your in-house payments department and handle everything payments-related from there.
We configure the split-funding percentage, any flat-dollar components, and an ACH backup clause to your specifications.
Collection flows back to you, data flows into your CRM, and your merchant keeps using the system — coming back for repeat advances.
Schedule a strategy consultation to see how PayDivy can help you fund more, earn more, and protect your position.
Schedule a Strategy Consultation