Working capital, on tap — pay only for what you use.
A revolving credit line up to $1 million. Draw funds when you need them, repay, draw again. Interest only on what you actually use — no commitment fee on idle credit.
A revolving line that flexes with your cash-flow cycle.
Set the ceiling once, then draw any amount any time. As you repay, the credit refills — no re-application, no waiting on a new approval.
Pay interest only on the dollars you actually use. No commitment fee. No annual fee on unused capacity.
Funding tailored to your business needs
Our business line of credit offers rapid, transparent financing to fuel your strategic goals.
Revolving credit up to $1M
Set the ceiling once, then draw any amount any time. As you repay, the credit becomes available again — no re-application needed.
Same-day draws
Draw from your portal in two clicks. Funds land in your operating account the same business day, every time.
Interest only on the balance drawn
No commitment fees, no annual fees on unused capacity. You only pay for the dollars you actually touch.
No collateral required
Most Thrivewell lines are unsecured for qualifying businesses. No real-estate liens, no UCC-1 on operating equipment.
Thrivewell agrees to provide loan products. You can trust transparency in every interaction.
We do not charge hidden fees or penalties. All terms disclosed upfront with full APR breakdown before signing.
Your data is processed in accordance with our privacy policy. Bank-level encryption applies at rest and in transit.
By accepting, you agree to repayment terms in the schedule attached, no daily debits.
Just
transparency
Businesses succeed with Thrivewell
“The line saved our quarter. A big invoice slipped 45 days and we covered payroll without breaking a sweat. Drew, paid back, didn’t even feel it.”
“If you are a business that is looking for funding, I would recommend that you reach out to Thrivewell. It is so much easier, so much faster, and more of a partner with your business.”
“It was fast. It was easy. We had the kind of personalized service from a financing lender that we'd never experienced before.”
A transparent approach to business funding
Thrivewell's portal gives you complete visibility and control over your funding options. No hidden terms — just clear choices designed for your business.
Apply once, line stays open
Set up your line with one application — then access it for the next 18 months without re-qualifying.
Start ApplicationDraw what you need from the portal
Two-click draws from $1K to your full ceiling. See your balance, available credit, and payment schedule in one view.
See your offersRepay on a schedule that fits
Each draw amortizes over 6–24 months. Pay early without penalty — your available credit refills as you repay principal.
Talk to an advisorRe-draw any time, no re-app
Used the line for payroll, paid it back? Draw again next month for inventory. No additional underwriting until you renew.
Get fundedBusiness Line of Credit
FAQs
Quick answers on rates, structure, and timing. Still have a question? Talk to a specialist.
- They solve different problems. A line is best for recurring or unpredictable cash needs — payroll smoothing, seasonal inventory. A term loan is better for one-time investments like buying out a partner or financing equipment.
- No. Thrivewell lines have no commitment or non-use fees. You only pay interest on the drawn balance, calculated daily.
- Same business day for draws initiated before 2pm local time. ACH transfers post within hours; wires can be requested for urgent same-hour needs.
- Most approved lines start around a 650 personal FICO with at least 6 months in business and $15K+ in monthly revenue. We have partner programs that go lower for revenue-strong businesses.
- Yes — request a limit review any time after 90 days of activity. We use your real performance data, so growing businesses see limits expand without a new full application.
Is a line of credit better than a term loan?+
Do I get charged when the line is unused?+
How quickly can I draw funds?+
What credit score do I need?+
Can I increase the limit later?+
Ready to fund your company's future?
Three minutes to apply. Soft credit pull only. Real, comparable offers — not estimates.