Hire and grow without waiting on payers.
Add providers, expand teams, and grow capacity on your timeline, not the payer's.
Built for the way healthcare bills.
Practices & Specialty Groups
Same-day capital on eligible claims you submit. Built for multi-specialty practices, infusion centers, behavioral health groups, and specialty providers.
Learn moreHospitals & Health Systems
The financial layer behind every hospital claim. Accelerate reimbursement across your payer mix without disrupting rev cycle workflows.
Learn moreWhat happens when your claims pay the day you submit them.
Run your organization on what you've earned, not what's pending.
Build what you've been planning.
Put capital toward providers, technology, and the patient experience instead of cash flow gaps.
Access revenue the day you earn it.
Your claims have value the moment you submit them. Thrivory lets you use it that day.
Let your team focus on what matters.
Predictable cash flow means your team works on the business, not on guessing when money will arrive.
How it works, without changing how you bill.
01
Submit claims as usual.
You don't change a thing about your billing process. Submit through your existing clearinghouse or EHR.
02
Instant adjudication.
Our AI evaluates each claim in real time and predicts reimbursement value and timing with 96%+ accuracy.
03
Access capital.
Typically 80% of expected claim value hits your account the same day (usually within one business day).
The Platform
One AI engine. Embedded everywhere claims move.
ThriveNow API is the financial transaction layer behind Thrivory's same-day funding and behind the EHR, PMS, RCM, and clearinghouse platforms our partners build on. One engine, evaluating every claim in real time.
Explore the platform
Instant Adjudication
Claims Intelligence
Practice Credit
EFT Reconciliation
40B+claims trained on 96%+prediction accuracy
We work across major payer categories.
Whatever your payer mix looks like, the engine prices each claim across all of it in real time, public programs and commercial plans alike.
Government & Public
Medicare
Medicare Advantage
Medicaid
Managed Medicaid
State-Level Plans
Commercial
National
Regional
Self-Funded Employers
Provider-Sponsored Plans
The practices and networks building modern care.
Trusted by specialty providers, infusion centers, and multi-site networks across the country.
We were growing at break-neck speed and needed a flexible well-crafted solution for working capital. Thrivory was ideal in every way, working with us to create a system that enabled us to truly 'Thrive.' I can't recommend them enough to other healthcare leaders.
Partnering with Thrivory allows us to streamline our operations and ensure resources are readily available to deliver the highest quality infusion services. This partnership is a game-changer for both Allied Infusion and our patients.
Partnering with Thrivory has already given us the financial flexibility we need to scale with confidence. Their team made onboarding seamless, and we're excited to have a partner who shares our commitment to expanding access to quality care for neurodivergent individuals and their families.
Since day one Thrivory has been wonderful to deal with. They have personalized our service to meet our needs consistently over the time we have been with them. We can't imagine a time when Thrivory won't be part of our business picture. Great company, we highly recommend them!
I'm grateful to be starting this journey with them and feel secure knowing I chose a company that values integrity, transparency, and people over profit.
SOC 2 Type II in progress
HIPAA Compliant
Straight answers to the hard questions.
Do I need to advance a claim to get value from Thrivory?
No. From the day you connect, you see reimbursement analytics across every claim you bill, advance or not: what you're owed, what's actually landing, and where you're getting underpaid. The funding is there when you want to accelerate cash. The data is yours either way. Most providers are flying blind on reimbursement timing and leakage, and that's the first thing we fix.
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. Full schedule is in your agreement. Advance a claim, you pay the fee. Don't, you pay nothing.
Is this a loan? Is it debt?
No. You don't take on debt, and there's no interest. We're repaid as the payer pays the claim we bought. Structured as a true sale, which typically doesn't affect leverage ratios or debt covenants — your auditor confirms the treatment for your specific situation.
What happens to the rest of my reimbursement?
It's yours. Once the payer pays and our advance and fee settle, the rest flows straight to you. Our fee is fixed on what we advanced, not a percentage of what you collect, so we don't share in the upside. Say a claim is expected to reimburse $1,000 and we advance $800. If it actually pays $1,150, the extra $150 is yours, all of it.
What if a claim is denied or underpays 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.
Do we have to change how we bill?
No. You bill exactly the way you do today. We connect through an API feed, copies of your claims as you submit them, or a dedicated login, whichever fits your setup, and we handle the data flow on a fully HIPAA compliant pipeline. In the ordinary course your EFT stays put and there's no lockbox or DACA. Same process you run now, you just get paid faster and on a schedule you can count on.
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. You're never locked into all-or-nothing.
Full terms, fees, and eligibility criteria are provided during the proposal process. See disclosures.