Answers to the questions we hear most.

Most owners finish in under 3 minutes. You can save and return later via a secure email link if you need to gather a document.

No. Application uses a soft credit pull only. There is no impact to your credit score to apply or compare offers.

Bank-level encryption in transit and at rest, secure cloud infrastructure, strict internal access controls, and SOC 2 — aligned with the standards of the lenders we work with.

Yes. We use Plaid, which encrypts credentials end-to-end. Thrivewell never stores your bank login.

Yes. Upload the last four months of bank statements through our secure portal — typically the only documents we need to underwrite.

Yes. We email a secure link you can use to resume from any device. Progress is saved as soon as you complete a step.

You can edit anything before submitting. After submission, message your advisor or update it directly in the portal — corrections are common and easy.

Yes. Pre-qualification runs instantly. If we can't place you with our lender panel, you'll see that result before you've given more than basic details.

No. Our soft pull works whether your credit is locked or frozen. Only the final acceptance step requires a brief unlock for the lender.

Your dashboard for everything funding-related — offer comparison, application status, repayment schedule, document upload, and direct messaging with your advisor. Access starts the moment you submit your application.

Immediately after submitting an application. You'll receive an email with login credentials and can start tracking your offer in real time.

Use the email you applied with plus the password you set during sign-up. Two-factor authentication via SMS or email is available and recommended.

Click the "Forgot password" link on the login screen. We send a secure reset link to your registered email — typically arrives within a minute.

Yes — every offer you qualify for shows side-by-side with full term details, total payback, and effective APR. No hidden fees, no fine-print pricing.

Yes. Bank-level encryption in transit and at rest, SOC 2-aligned controls, and strict internal access policies. We never share your data with any party not directly involved in funding your loan.

Yes — both are visible in the portal, updated daily. You can also download statements for accounting.

Two clicks in the portal: review the offer, sign electronically, funds move to your operating account. Most accepted offers fund within 24 hours.

Every page has a "Message my advisor" button. Real people, real answers — typically within a few hours during business hours.

$10K+ monthly revenue, 6+ months operating, 500+ FICO score is a typical floor. Stronger profiles unlock better rates and longer terms.

Application minutes; offers within hours; funding typically inside 24 hours of acceptance.

Most offers include no prepayment penalties. If one does, it is disclosed clearly upfront before you sign.

6–24 months, with some products extending to 36 months.

Most term loans up to $250K are unsecured. Larger amounts may require a UCC filing — disclosed before you sign.

Same-day access is possible once your line is approved. Draw at any time through the portal.

Based on your average monthly revenue, business tenure, credit profile, and overall cash health.

Yes — responsible use and on-time payments can unlock limit increases over time.

You only pay on what you draw. Weekly or monthly schedule depending on lender. As you pay down, credit replenishes.

Repayment is a fixed percentage of revenue, not a fixed monthly amount. Slow months = smaller payments. Fast months = bigger payments.

Repayments scale down automatically with revenue. RBF is designed to flex with your business, not to break it during a slow stretch.

6–12 months depending on advance size and the agreed payback percentage. Total payback is capped — never more than the agreed cap.

$10K+ monthly revenue, 6+ months operating, 500+ FICO score.

Typically 30–90 days from application to funding. We optimize the documentation upfront to compress that as much as possible.

$50K–$5M depending on the program (7(a), 504, or Microloan).

10 years for working capital, up to 25 years for real estate. Some of the longest terms in business lending.

We can pair you with revenue-based financing, a short-term loan, or a line of credit to bridge until your SBA closes.

No equity, no warrants, no covenants of the kind venture debt requires. Faster than banks, designed for growth-stage companies that want capital without dilution.

Typically no personal guarantees. Collateral structure depends on the deal — discussed transparently upfront.

3–4 business days from term sheet to funded for most deals.

Established or high-growth companies with strong leadership, meaningful revenue, and a clear use of funds (acquisitions, inventory, recaps, bridge between rounds).

Lender partners are screened for transparency, compliance, data security, and customer outcomes. We re-evaluate the panel regularly.

$5K to $25M+ depending on product and business profile.

Faster approval, lighter documentation requirements, and access to multiple lenders from one application — versus a single bank with one box and a long timeline.

Same-day funding is possible for some products once approved. Most fundings settle within 24 hours of acceptance.

Call 1-800-613-0257 or message your advisor through the portal. Real people, real answers — no scripted call-center handling.

Reach out immediately. We will advocate with the lender on your behalf to find a solution before it becomes a default.

Yes. Most products are eligible for renewal once 50%+ of the original advance is repaid, subject to current financials.

Through the portal directly, or contact your advisor for assisted verification.