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
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.
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.
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.
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.
Take a step toward your financial goals.
Access top financing options and resources tailored to help healthcare providers succeed.
Access top financing options and resources tailored to help healthcare providers succeed.
Three simple steps to funding.
1, 2, 3
Get Started
Tell us about your business
Answer a few simple questions and complete the application in minutes.
Get Started
3. Get funded.
Once you accept, funding can hit your bank account in as little as 24 hours.
Get Started
Three simple steps to funding.
1, 2, 3
Get Started
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
Minimum requirements for obtaining a factor facility
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.
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.
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.
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
“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
“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
98%
Approval rate
600+
Healthcare providers
600+
Healthcare providers
50M+
Dollars approved
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.
Get Started Now
Empowering tomorrows healthcare, today.
© 2025 Copay Inc. All rights reserved.
Get Started Now
Empowering tomorrows healthcare, today.
© 2025 Copay Inc. All rights reserved.
Get Started Now
Empowering tomorrows healthcare, today.
© 2025 Copay Inc. All rights reserved.
Get Started Now
Empowering tomorrows healthcare, today.
© 2025 Copay Inc. All rights reserved.
