Frequently Asked Questions

Get answers to the most frequently asked questions about our small business funding options and ISO program below. If you still have questions, contact us for more information. We’re dedicated to providing exceptional customer service, and will respond to all voicemails and emails within an hour (during regular business hours).
Who is Thor Capital Group?
Thor Capital Group is a Small Business Direct Lender that helps business owners access working capital. Thor Capital Group has delivered over $100 million to small businesses like yours nationwide.
Once I receive the funding from Thor Capital... What can I use it for?

You can use your funding for any business purpose. This means any expense that will help you grow and sustain your business. Some Examples include:

  • Advertising
  • Working Capital
  • Inventory
  • Expansion
  • Payroll
How is the approval process different from the banks?
While many lenders focus solely on personal credit scores and available collateral, Thor Capital Group factors in data such as your business’s cash flow and what the funds will be used for. This enables us to approve businesses that may have trouble getting financing elsewhere.
If approved, how fast can I get the funds?

If approved, the loan is transferred by the lender directly into your business account. Funding can be as fast as the next business day if documents are in and the loan is approved by 5 P.M. ET, Monday through Friday (excluding bank holidays).

What types of businesses does Thor Capital Group finance?

We fund businesses in most industries, including high risk industries. This includes attorneys, dental practices, medical practices, automotive dealers, construction companies, restaurants, retailers, manufacturers, gas stations, dry cleaners, pharmacies, business services, and more.

How do I become a sales partner with Thor Capital Group?

Start by learning more about our ISO program. If you’re interested in becoming an ISO partner, call us at 1 (888) 445-1028, or fill out an application online.

Does Thor Capital Group offer lines of credit?

Yes, we do offer funding that operates very similar to a business lines of credit, called a merchant cash advance. With a merchant cash advance, businesses can draw less than the full amount approved, then request more as needed so long as the health of the business remains unchanged or improves.

Where do you fund small businesses?

We fund businesses in the United States, including the U.S. territories of American Samoa, Guam, Northern Mariana Islands, Puerto Rico and the U.S Virgin Islands. We also fund in Canada (except for the Saskatchewan).

I have a low credit score. Can I still qualify?

Of course! At Thor Capital Group, we know your business’s credit score doesn’t always tell the whole story. That’s why our approvals are based on more than just your credit score. We look at the overall health and potential of your business, including:

How long will it take to get an offer once I apply?

Your business can receive an offer for funding usually the same day.

Will applying for a loan/advance affect my Credit Score?

We only do a soft inquiry when you apply for financing unless your credit file is restricted, in which case we would contact you to lift the restriction. This may result in a hard credit pull, which can temporarily affect your credit score.

Am I obligated to take the funding once I am approved from Thor Capital Group?

No. There is no cost to apply and no obligation to accept.

How do businesses qualify?

Approval for a working capital loan from Thor Capital Group is based on more than just your business’s credit score. We take into account multiple factors, including:

I have a few more questions. Can I talk to someone?

Sure! Just give us a call at 1-888-445-1028 and one of our team members will help you out.

If I need additional financing, can I apply for another cash advance?

Yes. Once you have repaid 50% of your original cash advance, you are eligible to apply for another cash advance called a renewal. In most cases, Thor Capital Group will also increase the amount of the advance you are eligible to receive.

Are there restrictions on the use of working capital funding?

No. We trust that small business owners know best how to use their funding, so we don’t restrict how you use your funds.

How much working capital can I receive?

We provide working capital loans from as low as $5,000 up to 1 Million.

Sounds great! How do I get started?
You can apply in minutes online. You can see our full funding application here If you have questions before completing the application, you can call us at 1-888-445-1028.

Our U.S. based funding advisors are ready to answer your call Monday to Friday from 8am to 9pm ET

Couldn’t find your answer?

Email us or Give us a call  @ 888-445-1028

Are You Ready To Have Thor Capital Group Get You The Funding Your Business Needs?


What Our Customers Are Saying

Bezvalley Pest ControlBezvalley Pest Control
00:31 27 Apr 22
My experience with Thor Capital Group was pleasant beautiful!!, Daniel Wilson handled our loan extremely professional. Daniel was able to successfully completed our loan without any problems. We have no words to describe his advise and consultation work his done with my business Bezvalley Pest Control. Everything was so much streamlined and smooth it was just mind boggling to sit back and see how Daniel handled all our paperwork accurately from start to finish without any mistakes. We highly recommend Daniel Wilson and his company for any financial needs you might have , we give them 8-stars. THANK YOU DANIEL!!!!!
Rapid Credit BoostersRapid Credit Boosters
17:40 14 Jan 22
Such an outstanding company, got me over $300k on total, great payback options, so appreciative.
17:28 27 Apr 21
Very professional, excellent customer service. Ray is the best person I have ever dealt with. Very honest, does what he says he will do. I recommend this company for all your financial needs. Ray is the best but I'm sure you will get the same excellent care from others there in the company. If it can be done they will do it, if it can't be they will be honest and tell you it can't be done. Best company I have ever dealt with in the many many years I have been in business. Took care of us like we were family. Thank you Ray so much for what you have done for us!
Jack DayonJack Dayon
20:20 05 Mar 20
Clemy helped me get capital to expand my shipping business when my bank, Bank of America, couldn't. Great guy, great company! Highly recommended.
14:47 07 Jan 20
Fantastic service and professionalism had a bad experience with other companies and they really got to work and have me the best interest rates. Thank you! Would highly recommend