You’ve earned your money.
Now get it faster.
Instant payment for Medicare, Medicaid, and Commercial claims.
Thrivory turns slow insurance reimbursements into predictable cash flow. Our platform advances funds as claims go out and uses data-driven forecasts to help practices plan with confidence and grow sustainably.
Simple. Fast. Predictable.
We turn your submitted claims into near-instant payments. No loans, no hidden surprises.
Thrivory syncs with your claims process and advances most of your expected reimbursement within hours. You keep control of your billing, and when payors finally pay, we reconcile automatically. No chasing collections, no new debt.
Steady, predictable cash flow so you can focus on growing your practice and caring for patients.
Thrivory eliminated the day-to-day cash-flow worries of running our practice without taking on additional risk.
The rapid access to our receivables have given us the freedom to focus on what matters most: Our patients.
With Thrivory, I’ve been able to invest in new medical equipment and expand my practice. It’s like having a trusted advisor for my practice.
Support for Medicare, Medicaid, and leading commercial payors.
Thrivory works with the payors you already bill so you can keep your existing workflow exactly as it is.
|
AARP Medicare Aetna Blue Cross Blue Shield Care Centrix |
Cigna Express Scripts Humana Caremark |
|
Medicare Medicaid Molina Priority Health |
Amerihealth Kaiser Permanente UnitedHealthcare and more… |
How Thrivory Fuels Your Growth
Cover operating costs
Your largest suppliers don’t wait for reimbursements. Thrivory keeps your cash flow steady so you can pay vendors on time and keep operations running smoothly.
Stabilize your operations
End the feast-or-famine cycle of reimbursements. Thrivory smooths out cash flow swings so you can plan confidently and focus on patient care.
Grow the team
Growth takes people and resources. Hire the team you need, purchase equipment, and expand services without waiting months for payors to catch up.
Latest from our Blog
View more Blog Posts
FAQs
How does immediate claim payment work?
When your practice submits claims, our platform reviews them to determine the likelihood of payment, typical reimbursement timelines, and the average amounts for the CPT codes submitted.
We then advance a large portion of the expected claim value on a regular schedule that works for your practice. Most providers choose weekly funding, but bi-weekly or monthly options are also available. This approach provides near-instant access to the cash you have already earned, converting long insurance waits into predictable working capital.
Once the payer reimburses, we collect back the advance plus a flat transaction fee. The remaining balance is deposited directly into your account. The process is consistent, transparent, and built to help your practice grow without cash flow bottlenecks.
Is this a loan? Will it affect my credit or require a personal guarantee?
Thrivory is not a lender. When we fund a medical practice, we’re purchasing a portion of your insurance claims through an asset sale—not issuing a loan. This means there is no debt, no liability, and no personal credit risk for your practice.
Unlike AR factoring, our model is also non-recourse and non-intrusive:
- We don’t take over your bank accounts or collections.
- You maintain full control of your billing and payment processes.
- If a claim is denied, we absorb the risk—not you.
Even if a claim is denied, you’re not on the hook. Thrivory assumes the risk.
What if a claim does not get paid?
Thrivory’s non-recourse policy protects you from reimbursement risk. If we ever fund a claim that has not been repaid, we assume the risk of non-payment without any penalty to you.
To minimize this risk, we conduct pre-checks on all claims through our AI-powered claims funding application.
If an unpaid claim does arise, we will work closely with you to identify and resolve the issue as quickly as possible.
What does it cost to accelerate cash flow without risk?
How much money can we expect, and how quickly?
Once we complete the funding analysis, your practice will typically receive approximately 80% of the estimated value of all submitted claims.
The process from application to first funding usually takes about 1–2 weeks, after which funding becomes almost instant. We generally fund weekly via wire transfer (ACH), providing your practice with a steady and predictable cash flow.
Do we need to change our current billing procedures?
No, you do not need to change your current billing procedures. You will still manage claims filing and denials. Thrivory simply accelerates cash flow upon claim submission to counter payor delays.
As we understand your RCM practices better, we can also assist with proactively identifying denials and bolstering top-line revenue with claim optimization services.
Why should I choose Thrivory?
We understand the challenges of running a healthcare business: Higher costs, complex billing requirements, long reimbusment cycles. Thrivory is tailored to meet the specific demands of medical practiced, delivering predictable and rapid funding that traditional banks simply cannot match.
Thrivory collaborates closely with your business to address your unique financial needs, ensuring you are free from the burdens of debt, equity dilution, and risk exposure. Our primary focus is to simplify the funding process, enabling you to access capital rapidly.
Thrivory is not a traditional lender, MCA (merchant advance cash), or any structure that would obligate all assets of your practice.
Do we have to submit all our claims through Thrivory?
No, you can choose which payors you want to fund with us and also change this at any time. Thrivory can support all commercial and government payors (we do not fund self-pay or WC claims). We will work with you to set everything up and support electronic reconciliation for you.
Does Thrivory impact our credit score?
No, Thrivory does not impact your personal or business credit score. Guaranteed and immediate cash flow is generated from analyzing your practice’s claims without the need for personal guarantees or lengthy due diligence requirements which disrupt operations. Thrivory bears 100% risk of payor reimbursements without impacting your personal credit!
Is Thrivory secure?
Yes, our portal is secure and fully HIPAA compliant with full end-to-end 256-bit encryption to protect your data. We never see or store third-party usernames or passwords.
Connecting a Powerful Community
Thrivory is proud to be a member and trusted vendor of forward-thinking organizations that support the independent medical practice community.
