Advance against approved healthcare invoices to fund operations while reimbursements clear.
Healthcare providers, medical staffing agencies, and service companies invoice insurance carriers, Medicare, Medicaid, and hospital systems. Reimbursement cycles of 60 to 120 days are common. Staff, supplies, and facility costs run weekly. Factoring against approved claims or commercial invoices funds the practice or agency through the reimbursement cycle.
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Reimbursement cycles typically run 60 to 120 days
Insurance carriers and government payers process claims on administrative timelines. Denials, resubmissions, and appeals add processing stages between service delivery and payment.
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Staff and supply costs operate on weekly or biweekly cycles
Nurses, therapists, technicians, and medical supplies are compensated on short cycles. Operating costs continue on their own schedule while reimbursements follow the payer's processing timeline.
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Expansion requires staffing investment before the first reimbursement cycle
Adding a contract with a hospital or expanding into a new territory involves hiring and credentialing staff before the first claim is submitted. The initial staffing investment precedes revenue by the length of the credentialing and first billing cycle.
Medical staffing agencies, home health providers, DME suppliers, and healthcare service companies invoicing insurance carriers, government payers, or hospital systems. Annual revenue $300K to $20M+.
- ·AR aging report
- ·Sample invoices or claims submitted to payers
- ·Payer contracts (if applicable)
- ·Voided check for ACH funding
- 01Advance against approved commercial healthcare invoices so the provider can cover payroll, supplies, and operations without waiting 90 to 120 days for reimbursement.
- 02The desk monitors the receivable and tracks payment within the administrative requirements of the payer. The provider retains responsibility for collection.
- 03Facility scales with patient volume and contract growth.
- Funding speedOnce approved
- AdvanceSubstantial against face value
- Debtor typeInsurance, government payers, hospital systems
- CollectionsMonitored by the desk. Client retains collection responsibility.
- Volume scalingGrows with patient volume
- Personal guaranteeNot required on the invoice