Grow your practice.
Add providers, open locations, and expand service lines on your timeline.
What becomes possible when capital moves with you.
Invest in patient care.
Put capital toward the clinical programs, technology, and experience that set your practice apart.
Operate with confidence.
Make staffing, inventory, and growth decisions on what you've already earned, not on when it might land.
Say yes to the right opportunities.
Move on the partnerships, contracts, and moments that don't wait for reimbursement cycles.
What changes with Thrivory.
What you face today
30 to 90 day reimbursement cycles
Earned revenue locked in submitted claims
Growth planned around payer timing
Months-long onboarding to new financial systems
With Thrivory
Same-day funding on eligible claims you submit
Revenue available the day claims go out
Growth planned around your practice
Live in weeks, not months
If you bill insurance, Thrivory fits.
Multi-specialty and behavioral health groups, infusion centers, therapy and rehab, home health, primary care. If you submit insurance claims, Thrivory prices and funds them, across every payer you bill.
Government & Public
Medicare
Medicare Advantage
Medicaid
Managed Medicaid
State-Level Plans
Commercial
National
Regional
Self-Funded Employers
Provider-Sponsored Plans
Specialty Verticals
Designed for the way specialty providers actually work.
Specialty providers operate differently. Infusion centers and specialty pharmacies front significant drug and supply costs before reimbursement. Behavioral health groups carry long authorization and payment cycles. Home health navigates complex payer mixes. Thrivory is designed for the way specialty care actually gets delivered, not the way insurance was designed to pay for it.
Customer Proof Point
Infusion Health saw 75% revenue growth while using Thrivory, with $6.8M in capital advanced.
Infusion Health needed capital that moved at the speed of patient care. Thrivory advanced expected claim value the same day claims were submitted, giving them the capacity to invest in patients instead of waiting on payers.
75%
Revenue growth
$6.8M
Capital advanced
Straight answers to the hard questions.
How does pricing work?
A flat fee on what you advance, shown before you accept. Additional fees apply if a claim stays unpaid past 90 days, plus standard transfer and account fees. The full schedule is in your agreement. Advance a claim, you pay the fee. Don't, you pay nothing.
Do we have to change how we bill?
No. You keep billing exactly as you do now, through your existing clearinghouse or EHR. What changes is where payers deposit: a collections account in your name, managed by Thrivory, that matches every deposit to its remittance automatically. Your billing process stays the same.
Do I need to open a new bank account?
Yes, one collections account in your name. You keep your bank and your operating account. We help you open the collections account at our partner bank, manage it for you, and prepare the EFT change for each of your payers. Each day, we match deposits to remittances, settle our share on claims we've advanced, and send the rest to your operating account, generally the same day, unless your agreement holds part of it in reserve. The account is yours whether or not you use funding.
What happens if a claim is denied after you've advanced?
If you qualify for our non-recourse program, routine denials and underpayments are ours to absorb. You're only on the hook in narrow cases where the problem originated on your side, such as improper billing, fraud, or misdirected funds. Eligibility for non-recourse is determined during underwriting.
What happens to the rest of my reimbursement?
It's yours. When the payer pays, we match the deposit to its remittance, settle our advance and fee, and send the rest to your operating account, generally the same day, unless your agreement holds part of it in reserve. Our fee is fixed on what we advanced, not a percentage of what you collect, so we don't share in the upside.
Do we have to run all our claims through Thrivory?
No. Advance the claims you want, when you want, one payer at a time or in full batches. Once your payers switch over, all of their deposits land in your collections account, and deposits on claims you haven't advanced move on to your operating account, generally the same day. You're never locked into all-or-nothing.
Is this a loan? Is it debt?
No. You don't take on debt, and there's no interest. We collect when the payer pays the claim we bought. It's structured as a true sale, which typically doesn't affect leverage ratios or debt covenants — your auditor confirms the treatment for your specific situation.