We built the financing product healthcare providers actually needed.
Healthcare providers deliver care today and wait 60 to 90 days for commercial payors to reimburse them. That gap does not reflect clinical reality, and it should not define financial reality either.
Copay purchases insurance receivables at the service-line level and deposits cash the next business day. No loans. No payor contact. No changes to how your billing team works.
The current reimbursement system was not designed with providers in mind. Commercial payors take 30 to 90 days to adjudicate and pay claims. Practices carry that gap on their books, manage it with lines of credit, or absorb it into the cost of care.
Copay was built to close that gap permanently. By purchasing receivables at the service-line level and pricing each claim against actual reimbursement performance data, Copay can deliver next-day cash without the blended rates, payor contact, or recourse provisions that define every other option in the market.
Every provider we fund is a practice that can stop managing cash flow and start focusing on patients.
The principles behind every product decision.
Non-recourse is not optional
If a claim is denied, that is a business risk, not a provider problem. Every eligible purchased claim is non-recourse. This is not a feature tier. It is the foundation of the product.
Accuracy over speed
Advance rates that reflect actual reimbursement data are worth more to providers than fast rates built on averages. We price every claim individually, even when it is harder to build.
Invisible by design
The best integration is one no one notices. Copay connects at the billing layer without touching payor relationships, patient communications, or staff workflows.
Built for healthcare, not adapted to it
Copay is purpose-built for the economics of healthcare reimbursement. Every underwriting model, every integration, and every legal structure was designed for this market specifically.
Transparency in every transaction
Providers see exactly how each advance is calculated, what claims were purchased, and what the reconciliation status is. No black boxes. No surprises at settlement.
Scale should be automatic
A practice that grows should not need to renegotiate its facility. Capacity scales automatically with volume. Growth is built into the structure from day one.
Four things that separate Copay from every other option.
We price every claim individually
Most healthcare financing products use blended advance rates across your entire portfolio. Copay evaluates each claim against actual reimbursement data for that specific payor, procedure, and specialty. A high-performing payor mix gets a better rate than a low-performing one — at the claim level, not the portfolio level.
We absorb denial risk on eligible claims
Non-recourse is common language in healthcare finance. Copay's non-recourse protection is structural: denied eligible claims result in no financial obligation for the provider. No clawbacks. No account adjustments. No reserve deductions. The advance is final.
We never contact your payors
Some accounts receivable finance and factoring products notify payors, file notice of assignment, or redirect remittances in ways that alter payor relationships. Copay does none of this. Your payor contracts remain yours. Payors experience no change.
We built for this market from scratch
Copay's underwriting engine was built specifically for healthcare reimbursement data. Our legal structure was designed around healthcare receivables. Our integrations were built for healthcare billing systems. This is not a general commercial finance product applied to healthcare.
Ready to see Copay in action?
Schedule a demo with our team and we will walk through exactly how it works for your practice.