- SBA Loans
Small Business Administration (SBA) Loans
SBA loans, backed by the U.S. Small Business Administration, give small businesses access to affordable capital with lower down payments, longer terms, and flexible qualifications. They’re ideal for owners who may lack perfect credit or collateral but need financing to grow or stabilize.
The process, however, can be paperwork-heavy and slow. That’s where Thrive helps by guiding clients through SBA applications to achieve higher approval rates in less time.
- SBA Loans Support Your Growth
Affordable financing to reduce costs and preserve cash flow.
Loans with terms of up to 25 years for repayment.
Less stringent requirements than traditional bank loans.
- SBA Loans
The SBA Advantage
Who's It For?
- U.S.-based, for-profit businesses.
- Owners ready to invest in their own success.
- Companies that meet SBA size and credit standards.
- Businesses with a proven track record and reliable cash flow.
How You Can Use It
- Buy or renovate commercial real estate.
- Purchase inventory, equipment, or vehicles.
- Expand to new locations.
- Refinance high-interest debt.
- Strengthen working capital.
- Hire and train your growing team.
Why Businesses Love Working With Us
- Hands-On Support: From start to finish, we help you position your business for approval.
- Flexible Funding Options: Loans from $50K up to $5M, built around your goals.
- Low Rates, Long Terms: Keep monthly payments manageable with extended repayment timelines.
- Versatile Use Cases: Ideal for expansion, refinancing, equipment, or real estate investments.
Our Process is Fast and Simple
- Step 1
Apply for funding
Complete our simple funding form and tell us about your business. No financials or tax returns required.
- Step 2
Receive Approval
You will be presented with different financing options. You choose which one is best for your business.
- Step 3
Receive your funds
Get approved and have funds transferred to your account within 24 hours.
- FAQs
Funding Questions
Find answers to some commonly asked questions about equipment financing.
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.
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.
