Disclosures

Product Structure

Thrivory is not a lender. Funding provided by Thrivory is structured as a purchase of accounts receivable (a true sale), not a loan. Providers do not take on debt, and the transaction does not carry interest. Advanced amounts are recovered as payers remit on purchased claims. In certain circumstances, providers may be required to return or repurchase funded amounts, as described under Denial Risk and Recourse below and in the applicable customer agreement. The customer agreement governs the rights and obligations of the parties. Accounting treatment may vary, and providers should consult their own auditor regarding the treatment appropriate for their particular circumstances.

Fees

Funding provided by Thrivory carries fees. The applicable fees are presented to the provider before any claim is advanced and are set out in full in the customer agreement. They include a flat fee on the amount advanced, an additional fee if a funded claim remains unpaid beyond 90 days, per-transfer transaction fees (such as ACH or wire fees) on funds moved, and an underwriting and onboarding fee that is charged when a provider is approved and goes live, and on a recurring annual basis thereafter as an account maintenance fee. The underwriting and onboarding fee is not charged if a provider is not eligible or does not complete underwriting. Fees vary by provider and the characteristics of the claims funded, and additional fees may apply in certain circumstances as set forth in the customer agreement.

Same-Day Funding

Same-day funding describes the typical experience for eligible claims submitted and analyzed before 11:00 AM ET on business days. It is a typical outcome and not a contractual guarantee. Funding timing depends on claim eligibility, underwriting approval, claim confirmation, and banking processing windows, and funding may occur on a later business day. Not all claims qualify for same-day funding.

Advance Rates

Thrivory typically advances up to 80% of Thrivory's estimated collectible value of eligible claims, which may differ from the billed or face amount of the claim. Actual advance rates depend on payer mix, claim characteristics, provider history, and underwriting review. Rates are determined during the proposal process and may vary by customer.

Eligibility

Not all providers or claims qualify for Thrivory's funding. Eligibility is determined through an underwriting review that evaluates billing history, payer mix, claim patterns, and other factors. Thrivory reserves the right to decline claims or providers that do not meet eligibility criteria.

Funding decisions are based on Thrivory's estimated collectible values and other underwriting factors. Thrivory does not guarantee that any claim will ultimately be paid by a payer or that any particular reimbursement amount will be realized.

Denial Risk and Recourse

Thrivory funding is structured as a purchase and sale of accounts receivable. Whether an agreement is non-recourse or includes recourse to the provider — and how denial and underpayment risk is allocated — depends on the provider's agreement, which is determined through underwriting and historical claim performance, applicable law, and other risk factors.

Depending on the structure applicable to a particular provider:

• Under some agreements, Thrivory absorbs routine denials and underpayments on eligible funded claims with no obligation to the provider.
• Under other agreements, denials and underpayments are cross-collateralized across the provider's funded claims. In those cases, collections and reserves from other funded claims may be applied to offset losses on denied or underpaid claims.
• Under other agreements, funded receivables are subject to repurchase by the provider after a set or extended time period, regardless of the status of the underlying claim.

Which structures Thrivory can offer, and a provider's eligibility for those structures, may depend on applicable law and regulatory requirements. In some cases, Thrivory may require additional agreements, assurances, or other forms of credit support to address risks identified through the underwriting process. Additional support from principals, affiliates, or other parties may be required, and the applicable requirements will be set forth in the customer agreement. Apart from any repurchase obligation that applies under the customer agreement, providers may remain responsible in other circumstances including situations involving fraud, misrepresentation, breach of warranties, offsets, disputes, payment failures, or misdirected funds. Thrivory holds a continuing security interest in the provider's accounts, accounts receivable, deposit accounts, and related business assets and proceeds, as described in the customer agreement. The terms applicable to each provider are set forth in the customer agreement.

ACH / Account Access Disclosure

Providers authorize Thrivory to initiate electronic transfers and access designated banking information as described in the customer agreement. Additional account visibility, monitoring, and payment authorization requirements may apply.

Performance Claims

Statistics, accuracy figures, and customer outcomes cited on this site are based on internal data as of June 2026 unless otherwise noted. Results reflect individual customer experiences and may vary. Past performance does not guarantee future results.

Forward-Looking Statements

This site may contain forward-looking statements about Thrivory's products, technology, and business. These statements involve risks and uncertainties, and actual results may differ materially from those expressed or implied.

Website Disclaimer

The information provided by Thrivory, Inc. on this site is for general informational purposes only. All information is provided in good faith; however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on this site. Under no circumstance shall we have any liability to you for any loss or damage of any kind incurred as a result of the use of this site or reliance on any information provided here. Your use of this site and your reliance on any information is solely at your own risk.

Not Financial Advice

This site does not contain financial, tax, legal, or accounting advice. The information provided is for general informational and educational purposes only and is not a substitute for professional advice. Before taking any action based on information on this site, we encourage you to consult with qualified professionals, including your own financial advisor, auditor, or legal counsel. Thrivory does not provide financial advisory services. Your use of or reliance on any information on this site is solely at your own risk.