Fast decisions
Most applications receive an approval decision within 24–48 hours. No waiting weeks to hear back.
Small Business Funding
Business funding without the runaround.
Thornwell Capital provides fast, flexible financing for small and mid-sized businesses — with no credit checks, no personal guarantees, and decisions in as little as 24 hours. From $10,000 to $35 million, we work with your revenue, not against your record.
Why Thornwell Capital
We fund businesses banks turn away.
Most small business owners don't have perfect credit, two years of clean books, or the time to wait eight weeks for a decision. Traditional lenders weren't built for the way real businesses operate — and you already know that, or you wouldn't be here.
Thornwell Capital was built differently. We look at your revenue, not your credit score. We make decisions in hours, not months. And we offer eight distinct funding products so you're not forced into a one-size-fits-all loan that doesn't actually fit.
Whether you're covering a cash flow gap, buying equipment, expanding a location, or taking on a contract that requires capital upfront — we can structure something that works.
No hard credit pull
We don't run hard credit checks. Your score stays exactly where it is, regardless of outcome.
Funding for all revenue stages
Profitable or not, established or early — we have products designed for where your business actually is.
Funding Options
Eight ways to fund your business.
Not every business needs the same solution. We offer eight distinct funding products so you can access capital in the structure that actually works for your situation.
Up to $1.5M
Small Business Loans
Traditional loan structure with terms built around your growth — not a bank's risk tolerance. Ideal for established businesses that need a lump sum and predictable repayment.
Up to 35% of gross revenue
Revenue-Based Financing
Repay as your business earns. Your payment scales with your revenue, so a slow month doesn't become a crisis. No fixed monthly obligation to stress over.
$10,000 – $1,500,000
Line of Credit
A revolving credit line you can draw from as needed and repay on your terms. Pay interest only on what you use. Right for businesses with variable capital needs month to month.
24-month terms
Bridge Loans
Short-term financing designed to close a specific gap — between contracts, between funding rounds, between a purchase and a sale. Fast to deploy, structured to expire cleanly.
100% financed
Equipment Financing
Acquire the equipment your business needs without draining your operating cash. We finance up to 100% of the equipment cost, with repayment structured around the asset's useful life.
Up to $1.5M — same-day decisions
Working Capital
Immediate access to operating cash when you need to move fast. Cover payroll, inventory, vendor payments, or any operational need without disrupting your business.
$50,000 – $5,000,000
SBA Loans
Long-term financing backed by the Small Business Administration, with 10 and 25-year terms and near-bank interest rates. For businesses that qualify and want the most favorable long-term structure available.
Up to $35,000,000
Commercial Real Estate
Financing for property acquisitions, expansions, renovations, and development. From retail storefronts to multi-unit developments — structured for the scale of the deal.
The Process
From application to funded in days — not months.
We've removed every step that doesn't need to be there. Three stages, no surprises.
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Submit your application
Fill out one short form. It takes minutes, not hours. Tell us about your business, your monthly revenue, and what you need the capital for. No lengthy documentation required to get started.
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Receive your decision
Our team reviews your application and comes back to you within 24–48 hours. We don't run hard credit checks — we look at your revenue history and business performance, a complete picture, not just a number.
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Access your funds
Once approved and documents are signed, capital moves fast. Most clients receive funds within 48–72 hours. In some cases, same-day funding is available.
No application fee. No commitment required to find out what you qualify for.
Industries We Work With
If your business generates revenue, we can work with you.
We don't limit our funding to specific industries. Here are some of the industries we work with most frequently.
- E-Commerce & Online Retail
- Medical & Dental Practices
- Construction & Contracting
- Restaurants & Hospitality
- Real Estate Development
- Auto & Repair Services
- Wholesale & Distribution
- Freight & Logistics
Don't see your industry? Apply anyway — we work across dozens more.
Client Stories
Real businesses. Real results.
"We had a large commercial contract come in faster than expected and needed capital immediately to cover materials and labor. Thornwell had us approved within a day. No hard credit pull, no personal guarantee asked. We took on the contract, delivered on time, and came back for a second round of financing six months later."
— Marcus T., General Contractor
"I'd been turned down twice by traditional lenders — once because of a rough year two years ago and once just because the process took too long. Thornwell looked at what my business was doing now, not what happened in 2022. Approved the same week I applied. I used it to renovate our dining room and our revenue has been up 30% since."
— Olivia R., Restaurant Owner
"The revenue-based repayment was the part that sold me. We have seasonal fluctuations and fixed loan payments during a slow month used to keep me up at night. This way, when revenue is down, so is our payment. It felt like someone actually designed this for how a real business works."
— Elena P., Medical Practice Owner
Common Questions
Answers before you apply.
We offer financing from $10,000 up to $35,000,000 depending on the product and your business profile. Most small business clients fall in the $25,000–$2,000,000 range.
No. We do not perform hard credit inquiries. Your credit score will not be impacted by applying with Thornwell Capital.
Possibly, yes. Revenue-based financing is available even if your business is currently operating at a loss. We look at gross revenue, not net profit, for most of our products.
No personal guarantees are required on most of our products. Collateral requirements vary by product and amount — your advisor will walk you through specifics before you commit to anything.
From application to funded, most clients are complete within 3–5 business days. Approval decisions typically come within 24–48 hours of a complete application.
We work across e-commerce, construction, medical, hospitality, logistics, real estate, auto services, wholesale, and many more. If your business generates consistent revenue, reach out — we likely have a product that fits.
To start, very little — just basic business information and recent bank statements. More documentation may be requested after initial review depending on the product and amount.
Get Started
Capital when it counts.
You've done the hard part — building something worth funding. Getting the capital to keep it moving shouldn't be the thing that slows you down. Apply in minutes, get a decision in hours, and receive funds in days.
No credit check. No personal guarantee. No runaround.
Not ready to apply? Call us directly at 645-225-2744 — a real person picks up.
Approval and funding amounts subject to underwriting review. Not available in all states. This is not a commitment to lend.
Contact
Let's find the right product for your business.
Fill out the form and a Thornwell Capital advisor will follow up within one business day.
Application received.
Your submission was received — we'll be in touch within one business day.