Healthcare reimbursement, reimagined.
Apply in minutes and start turning insurance reimbursements into immediate cash flow.
- No loans
- Non-recourse
- HIPAA compliant
- 96% approval rate
0%
Approval rate
0M+
Claims processed
0K+
Reimbursement data points
0+
Specialties served
Built around the payors you bill
While you wait on insurance, rent is due and payroll is coming out this week.
Insurance takes 30 to 90 days to pay. Your practice cannot wait that long. Most owners assume the fix is complicated: a line of credit, an application, an arrangement that takes over their billing.
Copay is not a loan, not factoring, and not a merchant cash advance.
Copay purchases insurance claims from healthcare providers, not the copay a patient pays at the front desk. We integrate with your billing software and advance capital on your eligible claims the next business day.
From claim to cash, same day.
Submit claims the way you already do. Copay verifies the payer, prices the claim, and deposits the advance to your account, no waiting on reimbursement timelines.
Submit today. Get paid tomorrow.
Four steps, fully automated, from a submitted claim to cash in your account.
- 1
Connect
One-time setup
Connect your existing billing software or clearinghouse once. Copay reads your claims at the integration layer.
- 2
Submit
No workflow change
Your billing team submits claims exactly as they do today. Nothing about your workflow changes.
- 3
Get Paid
Next business day
Copay purchases your eligible claims and deposits capital the next business day via ACH.
- 4
Reconcile
Automatic
When the payor pays, Copay reconciles the claim automatically. Non-recourse on eligible denials.
Built for your specialty.
Reimbursement patterns differ by specialty. Copay accounts for the codes, the payors, and the cash flow gap specific to yours.
Mental Health
Therapists and psychiatrists waiting 60 to 90 days on Magellan, Optum Behavioral, and Cigna Behavioral.
Explore Mental HealthAABA Therapy
BCBA clinics bridging 45 to 90 day Medicaid cycles while weekly payroll comes due.
Explore ABA TherapyHHome Health
Agencies closing the 30-day PDGM payment-period gap on Medicare and Medicaid claims.
Explore Home HealthNot a loan. Not factoring. Something better.
Every structural advantage that separates Copay from every other option in the market.
$0
No debt on your balance sheet
Copay purchases your receivables outright. No debt added. No personal guarantee. Nothing is added to your liabilities.
96%
Non-recourse on eligible claims
Non-recourse means a denied eligible claim is Copay's loss, not yours. Your advance is never clawed back or reversed.
1 day
Next business day payment
Eligible claims submitted today are funded tomorrow via ACH. Every billing cycle, automatically.
Service-line level underwriting
Each claim is priced individually against real reimbursement data for your specific payor, procedure, and specialty.
No workflow changes
Your billing team submits claims exactly as they do today. Nothing changes except when you get paid.
No payor contact
Copay does not notify your payors or alter your payor contracts. Your revenue cycle relationships stay entirely yours.
Your whole portfolio, in one view.
Track receivables, payer mix, and available facility as claims are purchased and funded. Scroll to explore.
Portfolio Analysis
LivePortfolio summary
Fundings
$80,000Grow your practice referral network.
Three ways to partner with Copay, with a 96% approval rate for referred practices and no cost to join.
Network Partners
Billing companies and RCM firms. Integrate Copay and earn on funded client volume.
Learn more →Referral Partners
Consultants, advisors, and practice administrators. Refer practices and earn a fee.
Learn more →Affiliate Partners
Publishers and digital platforms. Earn commission on funded practices from your affiliate link.
Learn more →Get paid on your claims the next business day.
Connect your billing software once. No loans. No changes to how your team works.