PayDay
The Alipay of Healthcare
Overview
A financial infrastructure layer for healthcare, PayDay compresses cash cycles, finances receivables, and rewards healthy behavior — turning healthcare payments into an always-on ecosystem of liquidity and incentives. Think Stripe + Affirm + Rewards for physicians and patients.
Target Audience
Independent Physicians
Waiting 90 days to get paid for claims
Group Practices
That need working capital without PE dilution
Health Systems
Seeking to reduce physician burnout and turnover
Patients
Who skip care because of copays or lack of rewards
Payers
That want to buy adherence and reduce total cost of care
Key Challenges We Solve
90-Day RCM
PayDay underwrites receivables and advances cash at cost + 5–6¢ per dollar.
75% of Copays Uncollected
Credits reward attendance, adherence, and preventive care; no-shows drop to 8%.
18-Month Transactions
Standardized underwriting + embedded capital compresses practice deals by 80%.
How It Works
The 30-Day Machine
Transaction Compression
Standardized underwriting of 3 years' tax returns, payer mix, and ZIP profitability. Market-maker guarantee: 30-day practice acquisitions
Cash Flow Financing
PayDay advances working capital on submitted claims, removing 90-day float. Practices get paid instantly, patients stay covered
Growth Capital
Receivables-backed expansion and acquisition loans, tied to IndependenceOS usage
Behavior Ledger
Patients earn credits for attendance, medication adherence, and preventive care. Credits offset copays; adherence data monetized with payers
Results & Metrics
120 → 30 days
Transaction Cycle
90 → 15 days
RCM Cycle
3.2% (vs 5–8% baseline)
Claim Denial Rate
95% collected or credited
Copay Adherence
500+ practices, 2M+ patient encounters processed
Network
$15M+ RCM processing ARR, $8M+ tool licensing ARR
Revenue
Roadmap
Unified Ledger Launch
UpcomingQ1 2026
Practices get real-time receivables dashboard + payout predictor
Patient Credit App (GA)
UpcomingQ2 2026
Patients earn copay credits for attendance & adherence
Payer API Beta
UpcomingQ3 2026
Payers access adherence analytics + PMPM pricing model
Specialty Finance Clouds
UpcomingQ4 2026
Tailored RCM + capital engines for Pediatrics, Ortho, Cardiology