Healthcare Factoring

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Apply for financing

Stop waiting weeks or months to get paid.

We turn your insurance claims to cash in 24 hours!

Apply in minutes.

Get cash for your claims in 24 hours.

1

Apply and tell us about you and the business

2

Submit your billing by the end of the day


3

We'll process your billing and set your purchase

4

Get the funds sent straight to you the next day

Drive your business forward with Copay

1.

Keep the cash flowing.

Stay in control of your finances anytime, anywhere with the Copay portal.

2.

Apply for financing in just 10 minutes.

3.

Stop waiting.

Take a step toward your financial goals.

Access top financing options and resources tailored to help healthcare providers succeed.

Three simple steps to funding.

1, 2, 3

Get Started

  1. Tell us about your business

Answer a few simple questions and complete the application in minutes.

Get Started

2. Accept your offer.

Sign the paperwork and sell us your claims.

Get Started

3. Get funded.

Once you accept, funding can hit your bank account in as little as 24 hours.

Get Started

Minimum requirements for obtaining a factor facility

Credit Score

Credit Score

Credit Score

600+

600+

600+


A credit score of 600 or higher is required for Copay to be able to extend any type of offer.

Credit Sco

Time in Business

Credit Score

600+

6 Months

600+


A minimum of six months in business is required. While some exceptions can be made six months is recommended.

Credit.

Monthly Revenue

Credit Score

60

$250K

600+


We will want to see a minimum threshold of monthly revenue, with a vision for growth.

Trusted By Healthcare Providers Nation Wide

  • “Copay has been a game-changer for our home healthcare business. Factoring our insurance receivables has provided the cash flow we need to focus on delivering quality patient care without worrying about delayed payments.” — Home Healthcare Practice

    Reno, Nevada

  • “Working with Copay has simplified our operations and improved cash flow. Factoring our insurance receivables has helped us cover operational costs and expand mental health services to more clients in need.” — Behavioral Health Center

    Pittsburgh, Pennsylvania

98%

Approval rate

600+

Healthcare providers

50M+

Dollars approved

Why Copay?

Tailored Financing Solutions for Healthcare Providers

We know the challenges of delayed insurance payments. That’s why our solutions are designed to keep your cash flow steady, so you can focus on patient care.

100% Free to Explore Options

Using Copay is completely free. See what type of approval you can get with no obligations or hard credit pulls.

Safe and Secure

Your security matters to us. We prioritize protecting your data and ensure your information is safe kept and follows HIPPA guidelines.

Expert Insights

Our team is dedicated to simplifying complex financial topics, offering clear guidance and unbiased resources to help you make informed decisions.