Cash on demand from the receivables you choose.
Klaim shows which receivables can be accelerated, what the cash costs, and when it settles, so you fund working capital on your schedule, not the payer’s.
Selected
0 pools
Eligible value
$0.0KCash available
$0.0KIllustrative interface, not a quote or an offer of capital.
The cost of waiting
The work takes an hour. The cash takes three months.
A clean claim takes 30-120 days to become partially cash, eventually. Payroll and growth won’t wait. Accelerate turns the receivables you choose into cash now. The rest keeps its normal cycle.
Clean claim submitted. Revenue earned.
Payer adjudicates. Cash position flat.
Payroll, rent, and growth wait as the receivable ages.
AccelerateSelect it, accept the terms, cash on demand.
Proven at scale
The numbers behind every funded claim.
0M+
Claims processed
$0M+
Funding deployed
<0h
Average funding time
0+
Supported payers
0+
Providers served
Built with partners across healthcare finance
Figures are illustrative placeholders — replace with verified data and an “as of” date before publishing.
How Accelerate works
Three steps, and no change to how you bill.
01
See eligible cash, and what it costs.
Klaim scores each receivable you already bill on expected payment, timing, and eligibility, so you see the cash and its cost before you decide.
02
Select what to accelerate, and when.
Pick pools by payer, age, facility, or liquidity need, and weigh cash now against the expected payment date. The rest of the book keeps its normal cycle.
03
Receive cash, reconciled to the 835.
Cash is released on what you selected. When the payer's remittance arrives, every dollar reconciles to the original claim.
Inside Klaim
What the decision actually looks like.
Eligible AR by payer pool, the cash and cost of accelerating each one, and Klaim’s own call on when to wait.
Eligible AR by pool
Aetna
Clean · 0–60d · advance 85% · fee 3.0% · 30–40d
UnitedHealthcare
Clean · advance 88% · fee 2.8% · 25–35d
Cigna
Submitted · advance 80% · fee 3.5% · 45–55d
State Medicaid MCO
Clean · advance 60% · fee 4.0% · 70+d
For this gap, accelerate clean Aetna AR only: $485K net cash, covering it 116%.
Wait advised on Medicaid. A 60% advance rate and 4.0% fee make it expensive to accelerate, and payer cash should land before it’s needed.
Net cash today
$0Kcovers a $420K gap · 116%
AR accelerated
$590K
Cost
$15K
Illustrative pool builder. Actual pools, rates, and fees depend on your payer mix and eligibility review.
Accelerate vs. factoring
A selective action, not a blanket commitment.
| What matters | Blanket factoring | Klaim Accelerate |
|---|---|---|
| What you commit | The entire receivable book | Only the pools you select |
| Control over timing | Set by the facility's terms | You choose what, and when |
| Cost visibility | One standing rate on everything | Cost shown per pool, before you accept |
| Effect on the rest of AR | The whole book is committed | Unselected AR stays on its cycle |
Payer coverage
We accelerate across your full payer mix.
Whatever your payer mix, Klaim scores each claim in real time and funds what is eligible: public programs and commercial plans alike.
Government & Public
Commercial
Klaim is payer-agnostic across eligible insurance receivables. Specific eligibility is confirmed during onboarding.
Works with your systems
Keep billing exactly as you do today.
Klaim is an overlay on the systems you already run. It reads the claims, remittances, and aging you generate. Nothing to migrate, no new billing workflow.
EMR / EHR
Connects to the clinical and charge data already flowing from your EMR.
Practice management
Reads claims, aging, and patient-vs-payer balances from your PM system.
837 · claim submission
Klaim picks up the receivable the moment the 837 is submitted. No parallel entry.
835 · remittance
Every accelerated dollar reconciles automatically against the payer's 835.
Clearinghouses
Works alongside your existing clearinghouse. You submit claims the way you do now.
You change nothing about how claims are created or submitted. Klaim adds a financial layer on top: Forecast, Accelerate, Recover. It reconciles to the source.
Security & trust
Built for protected health information.
Accelerating a receivable never means loosening control of the data behind it. Klaim handles claims data like the regulated asset it is.
HIPAA compliant
Protected health information is handled under HIPAA safeguards across the entire workflow: intake, scoring, funding, and reconciliation.
Minimal PHI, by design
Klaim works from the claim and remittance data it needs to value a receivable, and no more. PHI is never used beyond the financial action.
Encrypted end to end
Data is encrypted in transit and at rest. [Confirm exact standards with engineering before publishing.]
SOC 2 Type II: in progress
An independent controls assessment is underway. [Update to “certified” with the date once complete.]
A complete audit trail
Every claim received, scored, funded, and reconciled is logged, a defensible record from submission to the payer's 835.
BAA available
A Business Associate Agreement is available before any data is exchanged.
Do not send patient-identifiable information through marketing forms. Replace security specifics and certification status with copy reviewed by your security and compliance leads.
Common questions
Where Accelerate fits.
Factoring commits the whole book under one standing rate. Accelerate is selective: choose which pools to convert and when, weighing the cost against expected timing.
See the cash already available in your receivables.
Klaim scores your eligible AR, shows the cash available and its cost, and lets you accelerate the receivables you choose, in one Revenue Treasury system.