Improve Medical Practice Cash Flow, Predictably
Copay purchases your eligible insurance claims and pays the next business day, so capital arrives on a steady rhythm.
Trade feast or famine for a steady line.
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. Capital arrives on a rhythm you can plan around instead of the feast or famine of waiting 30 to 90 days on payors.
Cash flow you can build a practice on.
Payroll
Make payroll on time, without waiting on payors to release your money.
Fixed costs
Cover rent, leases, and supplies every month on a schedule.
Planning
Forecast and plan with capital you can count on each cycle.
Deposits you can set your calendar by.
Your billing team submits claims exactly as they do today. Nothing changes except when you get paid, and that timing stops swinging from one month to the next.
Monthly deposits
Evened outEvery
cycle
Capital arrives on a schedule you control, not the payor's.
Cash on hand
Above obligationsStay above your obligations.
Capital lands the next business day on eligible claims. Non-recourse means a denied eligible claim is Copay's loss, not yours.
See how the wait disappears0%
approval rate for applying practices.
Next business day
every funded cycle, deposited by ACH.
Your account, steady all month.
Account activity
This week
Copay deposit
Mon · ACH
Copay deposit
Tue · ACH
Copay deposit
Wed · ACH
Copay deposit
Thu · ACH
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.
Predictable capital, every billing cycle.
Capital from your purchased claims, paid the next business day. No loans, no surprises, no workflow change.