Important 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 the purchased claims, and in defined circumstances a provider may be responsible for returning or repurchasing funded amounts, as described under Recourse and Non-Recourse below and in the customer agreement. Accounting treatment may vary, so consult your auditor for your specific situation.
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. The underwriting and onboarding fee is not charged if a provider is not eligible or does not complete underwriting. Fees vary by provider and by the characteristics of the claims funded.
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 expected claim value on eligible claims. 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.
Recourse and Non-Recourse
Thrivory offers funding on both non-recourse and recourse structures. The structure available to a given provider is determined through underwriting, and not all providers qualify for fully non-recourse funding. Under both structures, Thrivory absorbs the loss when a payer becomes insolvent and is unable to pay a funded claim. Under a non-recourse structure, Thrivory also absorbs routine denials and underpayments on eligible funded claims. Under a recourse structure, the provider may be required to repurchase or return funded amounts on claims that are denied, underpaid, or remain unpaid. In both structures, the provider remains responsible in defined cases where the issue originated on the provider's side, such as fraud, misrepresentation, breach of the agreement's warranties, or misdirected funds. The structure that applies to you, and the full terms, are set out in your customer agreement.
Cross-Collateralization
Funded claims are cross-collateralized. Even under a non-recourse structure, Thrivory's recovery of advanced amounts and fees is supported across a provider's funded claims as a whole rather than claim by claim in isolation, and Thrivory holds a security interest in the provider's accounts receivable and related collateral as described in the customer agreement. Collections and reserves across funded claims may be applied to amounts owed to Thrivory. Non-recourse treatment applies to payer non-payment on eligible claims as described above and does not release the collateral that secures the funding relationship.
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.