Insurance Claim Prefunding
Stop waiting 30-90 days to get paid. Get funded in 48 hrs.
Convert claims into immediate working capital. No debt, no workflow disruption, no hard credit pulls.
Check Your Eligibility
Funding Dashboard
Connected
Claim Details
Claim ID0
PayerBlue Cross Blue Shield
ENR$0
Advance$0
Payer Timeline0 Days
Blue Tree Timeline48 Hrs
Transactions
Today
Transfer
Claim purchase
+ $3,110
Payment
Claim payment
- $297
HIPAA CompliantFull data protection with BAA
Not a LoanNo interest. No repayment schedule.
48-Hour FundingClaims funded within 48 hours, ongoing
No Cost to Apply
No Hard Credit Pull
Funded in 48 Hours
HIPAA Compliant
Zero Workflow Changes
Debt-Free Funding
Check Your Eligibility
See if your practice qualifies for claim prefunding in 48 hours.
The Problem
Your practice earned the revenue. Why wait months to receive it?
Insurance companies take 30-90 days to reimburse. Your payroll, rent, and growth plans can’t wait that long.
30-90 Day Payment Delays
Insurance companies hold your money while you’ve already delivered the care. Every day waiting is a day your cash can’t work for you.
Payroll & Operations Can’t Wait
Staff, equipment, supplies, rent – your expenses hit on fixed schedules regardless of when insurance pays. The mismatch creates constant pressure.
Growth Stalls Without Capital
You can’t hire that next provider, expand your space, or invest in equipment when your earned revenue is locked in the reimbursement pipeline.
How It Works
Three simple steps to funding
No complicated process. No disruption to your billing workflow. We handle everything behind the scenes.
Tell Us About Your Practice
Answer a few simple questions and complete the application in minutes. No hard credit pull – just a soft check that won’t affect your score.
Submit Your Billing
Upload your insurance claims. Our technology integrates with your existing billing system – no process changes, no new software to learn.
Get Funded
Your claims are processed and prefunded within 48 hours. Cash hits your account while you continue focusing on patient care.
Why Blue Tree Funding
Built exclusively for healthcare providers
We designed our funding around the way medical practices actually work – not the other way around.
Healthcare-Specific Solutions
We understand the unique timing issues with insurance payments. Our programs maintain consistent cash flow, letting you concentrate on your patients.
No Cost to Check Your Options
Blue Tree Funding charges nothing to explore your possibilities. Find out your approval amount without commitment or affecting your credit.
Protected and Compliant
We take data protection seriously. Your information stays secure and we maintain full HIPAA compliance standards with encryption at every level.
Professional Support
Our team breaks down complicated financial concepts into clear information, providing straightforward guidance and practical tools for smart decision-making.
Eligibility
See if your practice qualifies
Most healthcare providers billing insurance are eligible. Here’s what we look for.
- U.S.-based healthcare provider billing government, commercial, or private insurance
- Minimum 6 months of claims submission history
- Credit score of 600+ – soft pull only, no impact to your score
- Medical practices, clinics, behavioral health, home health, imaging centers, urgent care, and more
96
%
Approval Rate
See what you qualify for
Most practices are approved within 48 hours. No cost to apply, no impact to your credit.
Check Eligibility Now
Common Questions
Frequently asked questions
Is this a loan?
No. This is not a loan, line of credit, or merchant cash advance. We purchase your insurance receivables at a small discount, giving you immediate cash for claims you’ve already earned. There’s no debt on your books, no interest charges, and no repayment schedule.
Will this affect my credit score?
No. We perform only a soft credit pull during the application process, which does not impact your credit score. There is no hard inquiry at any stage.
Do I need to change my billing process?
Not at all. You keep billing exactly the way you do now. Our technology integrates with your existing billing system in the background. Your staff doesn’t need to learn anything new, and your current billing company remains fully in place.
How quickly can I get funded?
Once approved, claims are typically prefunded within 48 hours. The initial onboarding process takes approximately two weeks to connect systems and verify eligibility, but after that, funding is continuous and fast.
What types of practices qualify?
We work with a wide range of healthcare organizations including medical practices, clinics, physician groups, behavioral health providers, home health agencies, mental health providers, specialty pharmacies, senior living facilities, imaging centers, DME/HME companies, urgent care centers, and more.
What happens when the insurance company pays the claim?
When the payor remits payment, the system automatically reconciles the transaction. There’s nothing you need to do – it all happens behind the scenes.
Get Started
Check Your Eligibility
Fill out the form and our team will assess if your practice qualifies for claim prefunding. The process is simple, fast, and completely risk-free.
515 E. Grant St, Phoenix, AZ 85004
Get your insurance claims funded in 48 hrs - no debt, no credit impact
Check Eligibility
