Seamless, full-spectrum financing for your customers

Thrive provides the most expansive credit coverage with a single application. Helping our partners Thrive. Together.
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When your Business Thrives

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Increase Sales

Higher approval rates, limits, and ticket sizes means you increase overall gross sales.

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Close more Deals

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

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Working Capital

Staged funding grants you working capital for supplies and equipment before project start.

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Integrations

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

...your Customers Thrive.

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Fast & Easy Application

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

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Better Financing
Options

Credit limits up to $100,000.00. Fixed interest rates as low as 6.99%.

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No Hidden Fees or Penalties

No prepayment penalties or origination fees.

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Plans for All Credit Scores

Low payment factors and plans for customers with FICO 550+

How Thrive Works

Apply

Customer applies on our website, through your CRM or on their device is less than 60 seconds.

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Decision

95% of applicants receive an automatic decision. Other decisions completed within 10 minutes with minor customer interaction.

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We Handle the Rest

Thrive Growth Managers will support you with analytics, marketing tools, and salesperson level reporting to help identify opportunities for further growth.

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

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See how Thrive stacks up to the competition

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

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Top HI 
Lenders

Point of Sale
Lenders

Second Look
Lenders

Local
Banks

Full Spectrum Lending
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Instant Decision
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Low Friction Underwriting
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Line of Credit
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Rapid Product Delivery
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Merchant Risk Mitigation
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Fast and Easy Integrations
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Merchant / Bank Ecosystem
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Low Cost
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Integrations with top-tier partners

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Frequently asked questions

Everything you need to know about Thrive and the financing process.
How can I offer Thrive Loans to my Customers?  
You can apply to become a Thrive Network Merchant at https://www.partnerwiththrive.com/merchant-application/ and the Team at Thrive will look at your application and see if you are a good fit for our network.
 Does Thrive support a paperless application process
Yes, Thrive merchants gain access to our Merchant Portal where they can take applications for Credit, Administrate new Loan Products, make draw request, and look up the status of applications-all from one place.
Do I need to have another lender, other than Thrive?
No, you do not.  While no financing partner can offer 100% approval rates, Thrive is a full spectrum provider.  We work with top banks and lending institutions so that you can bring us consumers from across the credit spectrum.
Who is Thrive? I thought I was financing through my Merchant/Contractor/Dealer
Thrive is a Loan Servicing company that connects banks who want to find great customers, with Consumers who are looking for payment options for their home improvement projects.    When you need us, Thrive will take care of any questions or support you need.  You can always reach us at support@partnerwiththrive.com
How does my Thrive Loan work?
First off, Congratulations- you are approved for a Thrive Loan that can be used to make purchases with your Merchant.   Each month you will get a statement with your payment amount and where you can make payments, online, over the phone or even via the mail.  After the first six months, your loan will no longer be able to be used for purchases and will convert into a monthly installment payment for the remaining balance, plus interest and fees.
Can I use my Thrive Loan somewhere else?
Your Thrive loan was and is designed to enable you to purchase from your Merchant only. Unlike a credit card, once your Thrive Loan is paid off, it closes and you don’t have to worry about it anymore.  No headaches, no hassles!