Receivables Financing
Medical receivables valued at what payers actually pay, payer by payer, with denials priced in.
Why it matters
Medical receivables are only worth what payers will pay; denials, contractual adjustments and aged claims hide in remittance files until collections fall short.
How the solution handles it
Agents read the aging, match remittances to claims, measure what each payer actually pays after contractual adjustments, track denial rates and days in AR, and apply eligibility and advance rates. A collateral manager approves the borrowing base.
How a borrowing base moves
Five agents read the aging, match remittances, analyse payer mix and denials, and compute eligibility; a collateral manager approves the base.
What it reads, and what it hands back.
What goes in
- AR aging by payer
- 835 remittance files and EOBs
- Payer contracts and fee schedules
- Denial and write-off reports
- TPA and insurer settlements (India)
What comes out
- Eligible receivables and borrowing base
- Net collectible value by payer
- Denial and days-in-AR trend
- Ineligible list with reasons
Who uses it
The difference, in numbers.
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
Source: Kodiak Solutions, 2024 initial denial rate 11.81% (May 2025) · “Typical” = published figure · “Target” = design goal, measured in the live solution · “Estimated” = our estimate
5 specialist agents. One person decides.
More in this division.
Every practice purchase underwritten on what it collects, not what it bills, with the seller’s handoff checked.
Patient FinancingEvery patient financing file affordability-checked in minutes, with terms in plain words before they sign.
License VerificationEvery clinician behind a loan checked against license boards and exclusion lists, at funding and every month after.
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