Not a loan. Not an MCA. Your claims, paid sooner.
Copay purchases your eligible insurance receivables at the claim level and deposits funds the next business day. No debt, no personal guarantee, no changes to how you bill.
A purchase, not a loan.
Healthcare claims financing through Copay is a receivables purchase — not a loan, not an advance against future revenue, and not a merchant cash advance. Your claims are purchased outright.
Receivables purchase, not a loan
Copay buys your insurance receivables. There is no principal balance, no interest rate, and no repayment schedule. Nothing is added to your balance sheet.
Priced at the service-line level
Each claim is evaluated individually using actual reimbursement performance data for your payor, procedure, and specialty. No blended rates or portfolio averages.
Non-recourse on eligible claims
Denied or underpaid eligible claims result in no financial obligation for your practice. Copay absorbs the loss. Your advance is never clawed back.
Next business day funding
Eligible claims are funded the next business day via ACH. Automatic every billing cycle. No draw request required.
No workflow changes
Your billing team submits claims exactly as they always have. Copay integrates at the clearinghouse or EHR layer without disrupting your operations.
Covers all major commercial payors
UnitedHealthcare, Anthem, Aetna, Cigna, Humana, Blue Cross Blue Shield, Centene, and Molina. Medicare and Medicaid eligibility varies by state.
Your claims. Funded the next business day.
No loans. No personal guarantees. No billing changes. 96% approval rate.