Funding that scales with your practice volume.
Copay's purchase facility grows automatically as your claim volume grows. No renegotiation, no reapplication, no credit committee. Your available funding expands with your practice.
Capacity built around your actual volume.
Unlike a line of credit with a fixed limit, Copay's facility is sized to your actual claim volume and expands automatically as you grow.
Accounts Receivable Finance Overview
Scales with your billing volume
Your available facility is calculated based on your actual claim volume and payor mix. As that volume grows, so does your available capacity. No action required.
No renegotiation required
Adding providers, opening new locations, or seeing more patients expands your capacity automatically. You do not need to submit a new application or negotiate a higher limit.
Priced at the claim level
Each claim is purchased individually based on its Expected Net Reimbursement. Your total available facility reflects the real expected value of your eligible claim volume.
No minimum or maximum volume
Copay works with solo practices and large multi-specialty groups. There is no minimum claim volume to qualify and no ceiling on how large the facility can grow.
Automatic every billing cycle
Funding runs automatically with your existing billing cycle. No draw request, no approval step. Eligible claims are purchased and funded without manual intervention.
Non-recourse protection included
If an eligible purchased claim is denied or reduced, Copay absorbs that loss. You keep the advance. Flexible funding with downside protection built in.
Funding that grows with you.
No fixed limits. No renegotiation. Next-day cash on eligible claims.