Your injury cases are worth money you can't touch.
Practices treating personal injury patients wait a year or more to be paid out of a settlement. We purchase those receivables so you don't have to wait.
No cost to request a review · You choose which receivables, if any, to sell
Available in 37 states and the District of Columbia
You did the work. The settlement decides when you get paid.
Insurance pays on a schedule you can plan around. A personal injury case pays when the case resolves — and that isn't your decision, your timeline, or your process.
In the meantime the practice covers payroll, rent, and staffing against money it has already earned. Billing teams re-bill files that cannot move until the legal matter concludes. Some balances get written off simply because chasing them costs more than they return.
Commonly 12–24 months. Drawn to scale — the gap is the point.
We purchase the receivable and take on the wait.
You transfer the receivable. We pay you for it. Whatever happens with the timing of the settlement after that is our exposure, not yours.
You keep treating
Nothing about how you practice, bill, or document changes. This applies to receivables you already hold.
You choose what to sell
All of the book, part of it, or none. There is no obligation to proceed after a review, and no cost to ask.
You stop carrying the wait
Cash converts on approval instead of at an unknown future settlement date.
Five steps, and you can stop at any of them.
Tell us what you're holding
Roughly how many personal injury receivables are on your books, and in what range. An estimate is enough to begin — we do not need patient records at this stage.
We confirm the basics
Your state, your practice, and that we are speaking with someone authorized to make the decision.
A short call with our underwriter
They review the specifics with you directly and explain what documentation a purchase would require.
Underwriting and offer
If we can purchase, you receive written terms: which receivables, at what price, and on what conditions. Every offer is subject to underwriting, and not every file qualifies.
You decide
Accept, decline, or sell part of it. If you accept and the file clears, funding follows on approval — typically the next business day.
Practices that carry their own injury receivables.
Most commonly, independently owned practices where one person can make the decision and the receivable belongs to the practice rather than to a hospital system, management company, or lender.
If your receivables are pledged to a lender, swept by a management company, or owned by a hospital, we generally cannot purchase them — and we will tell you that early rather than after you've spent time on it.
Plain terms, before you spend any time.
What we do
- Purchase personal injury medical receivables from the practice that holds them
- Quote in writing, per file or per tranche, after underwriting
- Pay on approval — typically the next business day once a file clears
- Tell you promptly when we cannot help, and why
What we do not do
- Charge for a review or an offer
- Require you to sell your whole book
- Ask for patient records before a purchase is under way
- Pay or accept referral fees from attorneys, clinics, or clinic staff
- Contact anyone by phone who has not given us permission to call
On pricing. Purchase price is a percentage of the receivable's value and is determined by underwriting — the mix of payers, the referring firms, the age of the file, and the documentation behind it all affect it. We publish no fixed rate, because a number quoted before anyone has looked at your file would not be a real number. You will receive terms in writing, and you are free to decline them.
37 states and the District of Columbia.
13 states we cannot serve today.
We do not currently purchase receivables from practices in the following states. If you are in one of them, tell us and we will let you know if that changes rather than proceeding.
The ones practices actually ask.
Is this a loan?
A purchase transaction transfers the receivable to us; a loan would leave it on your books with an obligation to repay. Which structure applies to your specific transaction will be identified in your written agreement, and we encourage you to have your own counsel review it before you sign anything.
What does it cost to find out?
Nothing. A review and an offer are free, and there is no obligation to proceed. If we cannot purchase your receivables, we will tell you and that is the end of it.
Do I have to sell everything?
No. Practices commonly sell a portion — a particular tranche, a date range, or files tied to specific referring firms — and keep the rest.
What happens if a case settles for less than expected?
That depends on how your agreement is written, and it is one of the most important questions to ask any company purchasing receivables. Ask us — and ask anyone else you are talking to — to show you exactly where in the document that outcome is addressed.
Will you need my patients' records?
Not to begin. Early conversations use aggregate figures only. If a purchase proceeds, documentation requirements are explained in advance and any protected health information is handled under a written agreement.
Do you pay attorneys or staff for referrals?
No. We do not pay or accept referral fees from attorneys, clinics, or clinic employees in any form. If someone offers you one in connection with this kind of transaction, treat it as a warning about them.
How do I know I'm getting a fair price?
Get more than one offer, and compare them on the same four questions: who exactly is buying, whether it is a sale or an advance, what the price is a percentage of, and what happens at settlement if a case underperforms. Any purchaser unwilling to answer all four in writing has told you something.
Start with a rough number.
Tell us your state and roughly how much you are holding in personal injury receivables. We will tell you quickly whether it is something we can purchase — and if it isn't, we will say so.
No cost, no obligation · We will not call you unless you ask us to · Available in 37 states and DC