- FAQ
Funding Questions
Browse our knowledge base to find the best funding solutions for your business.
General Information
We provide a wide range of flexible funding solutions including working capital loans, equipment financing, business lines of credit, merchant cash advances, and SBA loans. Whether you need cash flow to cover day-to-day expenses, purchase new equipment, or expand your operations, we can match you with the right option.
Every business has unique needs. For example, if you want quick access to short-term cash, a working capital loan or merchant cash advance may fit best. If you’re looking to purchase machinery, vehicles, or tools, equipment financing is a smarter choice. For flexibility, a business line of credit works well. Our team will walk you through the options and recommend the right solution for your situation.
Most likely, yes! We specialize in funding for a wide range of industries including construction, manufacturing, transportation, healthcare, retail, restaurants, trucking, professional services, and more. If your business generates revenue and needs growth capital, we can help.
Our process is designed for speed. In many cases, we can approve applications within 24 hours and provide funding in as little as one to three business days. This is much faster than traditional bank loans, which can take weeks or even months.
Requirements vary by product, but generally we look at:
- Time in business (typically 6 months or more)
- Monthly revenue (usually at least $10,000)
- Credit history (we work with a wide range of credit scores)
Don’t worry if you don’t check every box—we have flexible programs designed for many types of small businesses.
Yes! Unlike banks, we look beyond just your credit score. We consider your business revenue, cash flow, and overall performance. Many of our clients have secured funding with less-than-perfect credit.
Our clients use funding for a variety of growth opportunities, including:
- Purchasing new equipment or inventory
- Hiring staff or expanding payroll
- Covering seasonal cash flow gaps
- Marketing and advertising campaigns
- Expanding into new locations or service areas
Think of it as giving your business the fuel it needs to scale.
Banks often require mountains of paperwork, perfect credit, and long approval times. At Thrive Funding Group, we focus on speed, flexibility, and accessibility. We offer tailored programs designed for small business owners who can’t always wait weeks for an answer.
No—there is no cost to apply and no obligation. We’ll review your application and show you funding options so you can make the best decision for your business.
It’s simple. Just fill out our short online application here: Get Funded Now. Once we receive your info, a funding specialist will reach out to discuss your options.
Products & Services
What is factoring future receivables?
Factoring future receivables allows you to access cash today based on your upcoming customer payments. Instead of waiting 30, 60, or even 90 days for invoices to clear, you get immediate working capital to keep your business running smoothly.
How can factoring help my business?
It’s especially useful for companies with long payment cycles, such as manufacturing, transportation, or wholesale businesses. By turning future revenue into immediate cash, you can cover payroll, purchase inventory, or take on new projects without waiting.
What is equipment financing?
Equipment financing provides funding to purchase or lease business equipment—everything from vehicles and machinery to medical devices and office technology.
Why choose equipment financing over paying upfront?
It preserves your cash flow. Instead of draining your working capital, you can spread out payments over time while still upgrading or expanding your equipment. Plus, the equipment itself often serves as collateral, making it easier to qualify.
What is an SBA loan?
An SBA loan is a government-backed business loan that offers longer terms and lower interest rates than many other financing options. They’re partially guaranteed by the Small Business Administration, making lenders more willing to work with small business owners.
What are the benefits of an SBA loan?
SBA loans are great for business expansion, real estate purchases, equipment, or refinancing debt. The trade-off is that they require more paperwork and a longer approval process than faster funding options.
How does a business line of credit work?
A line of credit gives your business access to a flexible pool of funds you can draw from whenever you need it—similar to a credit card but with lower interest rates and higher limits.
When should I use a line of credit?
It’s perfect for managing seasonal expenses, emergency costs, or ongoing working capital needs. You only pay interest on the funds you actually use, giving you more control over your cash flow.
What is a bridge loan?
A bridge loan is a short-term financing solution designed to “bridge the gap” until you secure long-term funding.
When would a bridge loan be useful?
It’s ideal if you’re waiting on SBA approval, closing a real estate deal, or covering urgent expenses while another financing source is pending. Bridge loans are fast and flexible, but they’re meant for temporary needs.
What is a working capital loan?
A working capital loan provides quick cash to cover day-to-day expenses like payroll, rent, marketing, or inventory. It’s not meant for buying long-term assets—it’s designed to keep your operations running smoothly.
Why do small businesses use working capital loans?
They’re especially valuable for businesses with seasonal fluctuations, growth opportunities, or temporary cash flow gaps. Instead of delaying projects or missing expenses, you get the funding you need to stay on track.
Ready to Secure Fast Business Funding?
If you need working capital to grow your business, cover expenses, or stabilize cash flow, our service is the solution. Apply online today and get a decision in hours — with funding available in as little as 24 hours.
