Fast, Flexible Capital for Infusion Care Centers
Get paid before insurance pays you—so you can keep delivering exceptional care.
Managing an infusion care center means constantly balancing patient care with financial pressure. Do any of these sound familiar:
High Upfront Medication Cost
You need to buy thousands upfront on medications, long before you ever get payment from insurance, thighting up cash for weeks, draining your reserves and holding back your ability to grow.
Delayed reimbursements
Reimbursement is taking almost two months, creating significant gaps in your cash flow, limiting your ability to expand your business, or even meet operational costs.
Bridge the buy-and-bill gap
You’re always operating on a very tight window, buying high-cost drugs (often on net-15 terms from McKesson) while reimbursements are taking 30–60 days.
Accelerate Revenue with Immediate Payment for Your Claims
Meet Thrivory. We’re a healthcare-fintech and AI company that unlocks your practice’s revenue with quick and steady access to capital. We accelerate your claims into instant payments, reducing reimbursement time without dealing with payor uncertainties and delays.
Get paid in days, not months
Infusion centers generally wait nearly two months for reimbursements. Thrivory shortens that wait dramatically, from an average of 57 days to just 3-5 business days.
80% of your claims are collectible upfront, providing your practice with steady and reliable cash flow.
Lighting Fast Underwriting
Our platform streamlines underwriting with automated analysis of your historical claims data for a simple and quick approval process. No personal credit checks.
Transparency and Seamless Integration
Maintain complete control and transparency over your finances. Thrivory integrates effortlessly with your existing bank accounts without disturbing your payment flow. We charge a straightforward, one-time low fee on the funded amount only after the claim is paid.
No Personal Risk, No Hidden Surprises
With non-recourse terms, Thrivory assumes 100% of reimbursement risk, protecting your business from claim denials and adjustments. Our AI-driven analytics can predict reimbursement amounts, claim collectability and denial probabilities on a payer level with 97% accuracy.
How Thrivory Works
Your business submits claim history
data to Thrivory for analysis.
Our AI Underwriting predicts each claim actual reimbursement amounts and deniability chances with 97% accuracy.
Thrivory buys your claims. Your practice gets funded 80% of the predicted amount, then the remainder when the reimbursement is paid.
Unlock Your Infusion Center’s Financial Potential
Frequently Asked Questions
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 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.
Which Payers are eligible?
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We can fund Medicare, Medicaid, and most commercial insurers.
What do we not fund:
- We can only fund active payers
- We do not fund self-pay or direct-to-patient invoices
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We do not fund workers’ compensation claims
- We do not fund accident or personal injury claims (including accident insurers)
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.
How much money can we expect, and how quick?
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.
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 need to change our billing or banking setup?
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.
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.
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.
Our Customers Love us!
Feedback and Testimonials from our Customers
“Thrivory has been a fantastic partner in helping us achieve our financial goals”
“We can’t recommend Thrivory Enough”
“No complaints. Very easy to work with and responsive.”
“We can’t recommend Thrivory Enough”
“Thanks for getting us over some of the hurdles so we could concentrate on getting things rolling.”
“Getting our claims paid with Thrivory was incredibly simple. Their process was straightforward, and we received the support we needed quickly. The detailed reporting they provide has been great and gives us the clear insight we need to navigate our financial needs.”
“It has been a great solution for us, and the team has been so supportive.”
Ready to Unleash Your Financial Potential?
Contact us to learn more and get a no-obligation proposal.
Disclaimer: Our Claim Advance program is subject to Thrivory’s underwriting approval and eligibility requirements. Terms and availability may vary based on claim history, reimbursement patterns, and other risk factors. Thrivory assumes reimbursement risk only in the absence of fraud, abuse, acts of God, or payer offsets. Additional terms and conditions apply.