Introducing ThriveNow
ThriveNow is Thrivory’s real-time API for claim adjudication and settlement. From practice management to revenue cycle, and fintech solutions, any healthcare or financial platform can use it to predict claim outcomes, reimbursement timing, and payment amounts.
Providers gain access to up to 80% of funds the same day, unlocking the revenue they have already earned, while your product delivers same-day claim adjudication with no additional operational burden.
Real time Claim Analysis
ThriveNow turns slow insurance reimbursements into predictable cash flow. With a single integration, your platform can:
-
Perform real-time adjudication on submitted claims
-
Show estimated reimbursement amounts and payment timelines
-
Provide same-day payment up to 80% of claim value
-
Automate reconciliation when payers deposit
-
Power analytics and reporting that improve financial visibility for providers
Submit
Send claim data and a bank token from your platform to ThriveNow with one secure API call.
Understand
Instantly view predicted claim outcomes, reimbursement timing, and expected payment amounts.
Adjudicate
Receive a real-time decision on denial risk, payout amount, and eligibility for same-day payment.
Fund
Approve the offer and receive up to 80% of the expected claim value within hours, giving providers near-instant access to cash.
Reconcile
When the payer deposits, Thrivory automatically settles the balance, updates payment records, and completes the transaction
Smarter Decisions, Instant Adjudication
ThriveNow data science and healthcare technology give you deep, actionable insight into every claim before it funds.
-
Predict claim denials with 96% accuracy
-
Estimate reimbursement amounts in real time
-
Forecast payment timelines by payer and state
-
Access national benchmarks for reimbursement patterns
-
View denial risk factors to improve claim success
- Powered by AI models trained on over 40+ billion historical claims
Why ThriveNow
By adding ThriveNow, your platform becomes a growth engine for healthcare providers rather than just a workflow tool.
-
Revenue opportunity from every settled claim
-
Faster go-live with developer-friendly endpoints and webhooks
-
Stronger retention by embedding cash flow tools providers rely on daily
-
No back office lift since Thrivory manages claim advances, risk, and repayment detection
Why providers choose Thrivory
- Immediate access to earned revenue instead of waiting 45 to 60 days for insurance reimbursement
- Transparent payout estimates with clear fees before committing
- Predictable and steady reimbursement timelines for better planning and stability
- Thrivory non-recourse terms assumes 100% of reimbursement risk, protecting practices from any claim denials and adjustments.
Data Security & Compliance
-
HIPAA-compliant data handling with Business Associate Agreements
-
AES-256 encryption at rest and TLS 1.2+ in transit for all PHI and financial data
-
Tokenized banking details and secure vaulting for account information and payments
-
SOC 2 Type II audited infrastructure in ISO 27001 certified data centers
-
Role-based access controls with least-privilege permissions
-
Continuous security monitoring and third-party penetration testing
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 Thrivory a loan provider?
Thrivory is not a lender. When we fund a medical practice, we’re purchasing a portion of the insurance claims through an asset sale—not issuing a loan. This means there is no debt, no liability, and no personal credit risk for the 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?
-
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
-
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 practices 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 the practice.
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.
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.
Join The Waitlist!
Access is rolling out. Join the waitlist to receive the integration guide, sandbox access, and early onboarding support.