# Thrivory

> The financial transaction layer for healthcare. On eligible claims, Thrivory advances typically 80% of expected value the same day providers submit, with no changes to their billing workflow.

## What Thrivory Does

Thrivory provides same-day claim funding for healthcare providers. When a provider submits an eligible claim through their existing billing system (EHR, clearinghouse, or RCM platform), Thrivory's AI engine (ThriveNow) scores the claim in real time and advances typically 80% of its expected value the same day. The provider gets paid immediately instead of waiting 30 to 90 days for payer reimbursement.

## Key Facts

- On eligible claims, advances typically 80% of expected claim value the same day
- No changes to existing billing workflow required
- Funding settles either through the provider's existing accounts or a dedicated Thrivory-managed account (set during underwriting) that adds automatic reconciliation and same-day release once a payer pays
- Recourse terms vary by agreement: many agreements are non-recourse, so providers aren't on the hook for routine denials or underpayments, while others include recourse such as cross-collateralization or a repurchase obligation. Not all structures are available in every state, and availability and eligibility depend on applicable state regulation. Apart from any repurchase obligation, provider responsibility applies only in narrow cases such as improper billing or fraud.
- Works across major payers (Medicare, Medicaid, commercial, MCOs)
- v9 denial prediction model, v10 reimbursement value model
- 0.1% loss rate, $4.52 average prediction error
- Backed by Redesign Health

## Who It Serves

- **Practices & Specialty Groups**: Independent practices, multi-provider groups, specialty clinics billing insurance
- **Hospitals & Health Systems**: Large organizations with complex payer mixes and high claim volumes
- **Platform Partners**: EHR, RCM, and clearinghouse platforms that embed Thrivory as a financial layer for their provider networks

## How It Works

1. Provider submits claims as usual through their existing system
2. ThriveNow AI evaluates each claim in real time (predicts value, timing, and risk)
3. On eligible claims, typically 80% of expected value is advanced the same day
4. When the payer pays, the advance is reconciled against the actual remittance

## Contact

- Website: https://thrivory.com
- Email: info@thrivory.com
- Apply: https://thrivory.com/apply/
- Security: https://app.vanta.com/thrivory.com/trust/hqfsmwklps0eupa2ruze3f

## Pages

- Home: https://thrivory.com/
- Practices & Specialty Groups: https://thrivory.com/practices-specialty-groups/
- Hospitals & Health Systems: https://thrivory.com/hospitals-health-systems/
- Partners: https://thrivory.com/partners/
- ThriveNow (API Platform): https://thrivory.com/thrivenow/
- Calculator: https://thrivory.com/calculator/
- Company: https://thrivory.com/company/
- Apply: https://thrivory.com/apply/
- Referral (partner-referred providers): https://thrivory.com/referral/