How can I offer Thrive Loans to my Customers?

You can apply to become a Thrive Network Merchant at our Merchant Application page and the Team at Thrive will review your application to see if you are a good fit for our network.

Does Thrive support a paperless application process?

Yes, Thrive’s loan application platform is entirely digital.

Do I need to have a lender other than Thrive?

No, you do not. While no financing partner can offer 100% approval rates, Thrive is a full spectrum provider facilitating loans to consumers with FICO scores as low as 550. We work with top banks and lending institutions so that you can bring consumers to our platform from across the credit spectrum.

Can I use my Thrive Loan somewhere else?

No, your Thrive Loan is designed to enable you to finance your home improvement project from your Merchant/Contractor. Your loan is not a line of credit so once you pay it off, you no longer have any obligations - no headaches, no hassles.

Seamless, full-spectrum loans for your customers¹

Thrive provides expansive credit coverage with a single application.² Helping our partners Thrive. Together.

Illustration of people and the Thrive loan application experience, including example loan terms.

Example application screens. Your loan application is approved by our partner bank.² Example loan terms shown, including any displayed term, are illustrations only.³

When your Business Thrives

Increase Sales

High approval rates, limits, and ticket sizes mean you increase overall gross sales.

Close more Deals

Seamless options and the ability to offer a large breadth of credit options with merchant fees.

Cash Flow

Staged funding provides you with the upfront cash you need to order supplies and equipment before the project starts.

Integration

Native API connections allow you the flexibility to offer Thrive on any platform.

...your Customers Thrive.

Fast & Easy Application

Paperless, mobile application process that can be completed without downloading an app.

Better Financing Options

Your eligible customers may qualify for loans up to $100,000 at competitive fixed interest rates.

No Hidden Fees or Prepayment Penalties

Your customer will never pay a prepayment fee and all other fees are clearly disclosed.

Loans for a Wide Range of Credit Profiles

Loans available to your eligible customers with FICO scores as low as 550.

How Thrive Works

Apply

Customer conveniently applies through our website, your CRM, or the Customer’s own device.

Illustration of the Thrive loan application on a mobile device.

Apply for a loan in just a few simple steps. ³

Merchants across the country are using Thrive to grow their business.

We are expanding rapidly — join us.

Map of the United States showing Thrive merchant coverage.

See how Thrive stacks up to the competition

Are you using an existing loan solution but interested in how Thrive differs?⁴

		Top HI Lenders	Point of Sale Lenders	Second Look Lenders	Local Banks
Full Spectrum Lending
Instant Decision
Low Friction Underwriting
Rapid Product Delivery
Merchant Risk Mitigation
Fast and Easy Integrations
Merchant / Bank Ecosystem

Integrations with top-tier partners

Frequently asked questions

Answers for merchants offering Thrive loans and for customers using them.

Merchants

Consumers

Thrive is a financial technology company that has developed an online point of sale platform to connect Merchant customers who desire to finance their home improvement projects with banks willing to originate those loans. Thrive processes loan applications on behalf of its partner banks and services the loans after origination. Thrive is there to take care of your questions and provide any support you may need. You can always reach us at support@partnerwiththrive.com.

First, Congratulations, you are approved for a Thrive fixed rate fully amortizing installment loan originated by our partner bank that will be used to finance your home improvement project. Thrive will service your loan. Servicing includes sending you loan statements; accepting your monthly payments through preauthorized automatic payments, customer initiated electronic payments, debit card, or check; and managing any questions or complaints you might have about your Merchant or your loan. If your loan is a multiple advance loan, you will have a stated interest only period during construction. After the interest only period, Thrive will notify you of the monthly payments that will be required to pay off your loan during its term.

Important disclosures

550 minimum FICO score. Loans are available to eligible customers. Loan availability and terms are subject to lender approval and eligibility requirements.
Loans are offered by participating partner banks through the Thrive platform. Thrive is not a lender. Loan availability and terms are subject to lender approval and eligibility requirements.
The loan amount and term shown in product illustrations (including any 24-month example) are for illustration only and are not an offer of credit. Actual loan amounts, APRs, monthly payments, and terms are determined by the originating partner bank, vary based on creditworthiness and other eligibility requirements, and will be disclosed to the applicant before the loan is accepted. Not all applicants will qualify.
This comparison reflects Thrive’s current product capabilities and Thrive’s understanding of typical offerings in each lender category. Competitor features vary by program and may change. A “no” means that capability is not typically offered by that category of lender, not that every lender in the category lacks it in all cases. Thrive’s partner banks originate fixed-rate installment loans and do not offer lines of credit.

Seamless, full-spectrum loans for your customers1