Fast, Flexible Funding for Medical Practices

Let’s assume your business submits $110,000 worth of claims this month.

We analyze each claims using our proprietary application to determine:

• How likely is the claim to be paid;
• How long it takes on average for that type of claim to be paid;
• What is the average reimbursement amount for the CPT codes submitted.

We then advance up to 80% of the claim value instantly. After the claim is paid, you’ll receive the remainder of the claim value minus a small transaction fee only the funded amount (usually 3-5%).

Example:
You submitted $110,000 worth of claims. After analysis, we estimate the collectible amount to be $100,000.
We’ll fund 80% of the collectible amount to your bank account (usually on the same day):

Whenever the payer reimburses you, we’ll then collect the amount we advance, plus a small one-time fee:

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 traditional 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.

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. 

After we complete our funding analysis, you can expect immediate funding around 80% of the value of all claims submitted. On average, our application approval takes 3-5 days, followed by almost instant funding.

Once approved, your practice can receive its first advance in as little as 4–5 business days.

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.

Not at all. Thrivory is designed to integrate seamlessly with your existing systems. You retain full control of your workflow and payment flow. There’s no need to change your bank account or billing procedures.

You will still manage all 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.

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.

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.