Fast, Flexible Funding for Infusion Care Centers

Let’s assume your business submits $125,000 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 that CPT code.

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

Example:
You submitted $125,000 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 traditional loan. It’s a non-recourse financing solution based on your practice’s historical claims data. There’s no impact on your personal credit, and no personal guarantees are required. If an insurance 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 of up to 80% 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. After that, funding becomes nearly instant as claims are processed.

We understand the nuances of infusion care: Higher costs, longer patient visits, complex billing requirements. Thrivory is tailored to meet these specific demands, 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. It is also important to note that 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.