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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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.
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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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One product. Built for healthcare.

Stop waiting 90 days for money you already earned.

Copay purchases your insurance receivables and deposits cash the next business day. No loans. No debt. No changes to how you bill.

96%
Approval rate for applying practices
13M+
Claims processed through the platform
500K+
Reimbursement data points powering underwriting
99.9%
Platform uptime across all billing integrations
Our Solution

Accounts Receivable Finance

The only financing product built specifically for the economics of healthcare reimbursement.

Available Now

Turn submitted claims into next-day cash.

Copay purchases your eligible insurance receivables at the service-line level. Each claim is evaluated individually against actual reimbursement data. You receive the advance the next business day. When the payor reimburses, Copay reconciles automatically.

Non-recourse on eligible claims

If an eligible claim is denied or reduced, Copay absorbs the loss. Your advance is never clawed back.

Next business day payment

Eligible claims funded tomorrow. Every billing cycle, without a draw request.

Service-line level underwriting

Each claim is priced individually against real reimbursement data. No blended rates.

No workflow changes

Your billing team submits claims exactly as they always have. Copay connects at the integration layer.

How We Compare

Not a loan. Not factoring. Something better.

Most healthcare financing products add debt, require personal guarantees, or put your payor relationships at risk. Copay does none of those things.

Bank Lines of Credit

Adds debt to your balance sheet
Requires personal guarantee
Fixed credit limit regardless of volume
Monthly interest charges

Copay Accounts Receivable Finance

No debt added to your balance sheet
No personal guarantee required
Capacity scales automatically with volume
Simple discount fee. No interest.

Medical Receivables Factoring

Contacts payors and alerts them to the arrangement
Recourse on denied claims
Blended advance rates across all claims
Collections handled by third party
Explore

Everything you need to know.

Deep dives on how Copay works, what it costs, and whether it is the right fit for your practice.

How It Works

A step-by-step walkthrough from claim submission through payor reconciliation.

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Benefits and Features

The full breakdown of what Copay includes: non-recourse structure, eligibility, integrations, and more.

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FAQ

Answers to common questions from providers, billing teams, and practice administrators.

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See what Copay can do for your practice.

96% approval rate. No loans. No changes to your billing workflow.

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