Flexible Healthcare Funding That Scales With You
Copay pays the next business day, and your available capital grows automatically as your claim volume grows.
More claims, more capital. Automatically.
Copay is not a loan, not factoring, and not a merchant cash advance. Connect your billing software once. Submit claims as you do today. Get paid the next business day. Your capital grows automatically as your claim volume grows, with no new application and no renegotiation. Drag the slider to see how capacity follows your volume.
Available capital
$58,800
Scales automatically with your claim volume. No new application.
Funding without a ceiling.
Your billing team submits claims exactly as they do today. Nothing changes except when you get paid. As your clean-claim volume rises, the capital available to you rises with it.
No cap to renegotiate
There is no preset ceiling to renegotiate.
Capacity is not a fixed line you have to renew.
Grows with your practice
Add providers or locations, and capacity follows.
Most funding stops growing. Yours doesn't.
Fixed funding facility
You hit the ceiling, then reapply or renegotiate to grow.
With Copay
Capacity follows your clean-claim volume, with no renegotiation.
Available capital
Every cycleYour capacity grows every cycle.
Capacity rises automatically with your clean-claim volume, with no new application. Non-recourse means a denied eligible claim is Copay's loss, not yours.
See how working capital scalesFunding that keeps up with you.
0%
approval rate for applying practices
Next day
to funded, every business day
No cap
on available capacity
0
renegotiations needed to grow
From submitted claim to funded account.
While insurance takes 30 to 90 days, Copay moves in one.
Step 01 · Submit
You submit your claims as normal
Nothing changes about how your billing team works.
Claim #18473
DOS 02/04/24
Office or other outpatient visit for the evaluation and management of an established patient, low complexity
Step 02 · Verify & Price
We verify and price in real time
Copay checks payor history and prices the claim at the CPT level.
Underwriting in progress
Step 03 · Approved
Advance approved
Capital is approved and scheduled for next business day deposit.
Advance Approved
$4,200
Net advance
Step 04 · Funded
Capital in your account
While the payor takes 30 to 90 days, you already have your capital.
Your account
$0
Available balance
Copay reconciles automatically when the payor pays. You do nothing.
Funding that grows as your practice grows.
Capital from your purchased claims, paid the next business day. No loans, no caps, no renegotiation.