Accounts Receivable Finance
Accounts Receivable Finance
Accounts Receivable Finance OverviewEverything about Copay's accounts receivable finance facility.How It WorksApply, connect, and get paid the next business day.Accelerate Your PaymentsInsurance takes 60 days. Copay takes one.Healthcare Claims FinancingNot a loan. Not an MCA. Your claims, paid sooner.Flexible Funding OptionsScales automatically with your claim volume.Improve Cash FlowConsistent, predictable working capital.Reduce Collection DelaysStop the 30–90 day reimbursement wait.Benefits and FeaturesEverything included. No hidden terms.
Behavioral Health
Mental Health PracticesTherapists, LCSWs, LPCs, psychologistsABA TherapyApplied Behavior Analysis, autism servicesPsychiatryMedication management, diagnostic evaluationsTelehealth Behavioral HealthVirtual therapy, online psychiatry platformsView All Behavioral Health
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Care Settings ›Urgent CarePhysical TherapyRehabilitationHome HealthHospiceSkilled NursingAmbulatory Surgery CentersHospitals and Health SystemsFQHC / Community Health
Programs
Network Partners
Referral Partners
Affiliate Partners
Network Partner Program
Network Partner Program OverviewEverything about Copay's network partner revenue share program.Medical Billing CompaniesRevenue share on every claim you process through Copay.Healthcare ClearinghousesAPI-native integration at the EDI layer.
Become a Partner
Referral Partner Program
Referral Partner Program OverviewEverything about Copay's referral fee program.Independent Billers and CodersEarn a referral fee for every provider you send our way.Healthcare ConsultantsAdd cash flow solutions to your advisory practice.Financial Advisors and CPAsHelp your healthcare clients get paid faster.Healthcare AttorneysRefer clients with receivables challenges.Practice Management CompaniesA cash flow layer your clients actually need.
Become a Partner
Affiliate Partner Program
Affiliate Partner Program OverviewEverything about Copay's affiliate commission program.Healthcare AssociationsAffiliate commission on member activations.Media and Content PublishersCommission on applications through your platform.
Become a Partner
Learn
BlogRCM, healthcare finance, payor insights, specialty billingFAQEverything about how Copay works
Reference
Insurance Payer InsightsUnitedHealthcare, Anthem, Aetna, Cigna, Humana, BCBS, Centene, MolinaGlossaryHealthcare billing and finance terms definedCPT/HCPCS CodesBilling code definitions across all specialties
Accounts Receivable FinanceHow It WorksAccelerate Your PaymentsImprove Cash FlowBenefits and Features
Behavioral HealthPrimary CareCardiologyOrthopedicsUrgent CareView All Specialties
Network Partner ProgramReferral Partner ProgramAffiliate Partner ProgramBecome a Partner
BlogInsurance Payer InsightsGlossaryFAQCPT/HCPCS Codes
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Referral Partners

Help your healthcare clients get paid faster.

Financial advisors and CPAs with healthcare provider clients can offer a meaningful solution to one of the most common financial problems in the industry — the 30 to over 90 day reimbursement gap. Refer a practice and earn a referral fee on each purchase.

Apply NowProgram Overview
How Copay Works For You

Built for how you operate.

Every feature of Copay's partner program is designed around the specific way you work with provider practices.

A balance-sheet-friendly solution

Copay purchases receivables outright — it is not a loan. Nothing is added to your client's balance sheet. No debt, no interest, no personal guarantee. Clean from an accounting perspective.

Referral fee on funding

You earn a one-time referral fee when a referred practice completes underwriting and receives their first funding. Fee structure provided upon program approval.

Relevant to any commercial payor mix

Any practice billing commercial payors — UnitedHealthcare, Anthem, Aetna, Cigna, Humana, or BCBS plans — is a potential Copay client. Most of your healthcare clients likely qualify.

Improves practice financial health

Consistent, predictable cash flow reduces dependence on lines of credit and improves working capital ratios. A meaningful outcome to deliver as a financial advisor.

Easy referral process

Share your referral link or make a direct introduction. Copay handles the application, underwriting, and onboarding. No technical knowledge required.

Tracking and payment dashboard

Monitor your referred practices and earned fees through a simple dashboard. Referral fees are paid on a clear schedule after funding is confirmed.

Start referring your clients to Copay.

Expand Your Solutions, New Revenue Opportunity

Apply NowProgram Overview