About Claim Flow Capital
Receivables-based funding for Public Adjusters, Medical Providers, and Small Businesses
Claim Flow Capital is a receivables-based funding firm that helps professionals and businesses access working capital without relying on traditional loans. We specialize in the purchase of Public Adjuster fee invoices, medical accounts receivable, and future business receivables for small businesses—turning earned but delayed payments into usable capital while third-party disbursements are still pending.
Built from firsthand experience. As a public adjuster with real business overhead and a family to support, I know how difficult it is to wait for payment even after doing everything right. Insurance claim checks can take months to move through carrier processing, mortgage endorsements, and administrative delays.
The same strain applies across other industries. Medical providers wait endlessly for insurance reimbursements. Small businesses face tight payrolls and inventory costs while waiting on invoices or seasonal revenue.
That's why we offer fast, flexible advances tailored to how your industry actually functions, whether you're a public adjuster, medical provider, or business owner managing unpredictable receivables.
We advance up to 85% once there's confirmed payment or verified billing, with terms that adapt to your cash flow realities. If you pay back early, we adjust. If disbursement delays hit, we work with you, not against you.
The goal is simple: fast, transparent funding that respects your work, protects your margins, and lets you operate with confidence.
— Benjamin L., Founder
How Our Funding Works
A simple, transparent process to get the working capital you need
Apply
Complete the short application form with your contact information and receivable details. Optional file uploads help us verify faster, but you can still apply even without them.
Approval
Our underwriting team reviews your submission—usually within one business day. We confirm settlement details, check payment direction, and provide clear funding terms. You'll know exactly what advance amount and terms apply before moving forward.
Advance
Once documentation is complete, Claim Flow Capital wires funds directly to you. Funds are delivered quickly so you can cover expenses, payroll, or new opportunities.
Repayment
When the payer releases the actual payment, Claim Flow Capital is repaid directly from those proceeds through a designated payment direction or lockbox. Any remaining balance after fees is released to you.
Why Receivables Get Stuck
Public Adjusters, Medical Providers, and Small Businesses all face delays getting paid
Insurance Carrier Delays
For public adjusters, even approved claims can take 30-60+ days to process through carrier audits, approvals, and check runs.
Slow Insurance Reimbursements
Medical providers often wait 60-90 days for insurance payers to process and release reimbursements for services already rendered.
Customer Payment Cycles
Small businesses deal with net-30, net-60, or longer payment terms from customers—tying up capital in unpaid invoices.
Administrative Backlogs
Internal processing delays at payers, carriers, or mortgage servicers can stall final release of funds for weeks.
Third-Party Coordination
Payments involving multiple parties (homeowners, lenders, insurers) require coordination that often creates bottlenecks.
Claim Flow Capital Can Help
Instead of waiting months, we fund you within days of confirmed receivables—turning delayed payments into immediate capital.
Apply for FundingClaim Flow Capital bridges this gap by advancing funds against confirmed receivables—so you can access your capital long before the payer's process finishes.
Ready to get started?
Submit your settled claim receivable and receive funding as fast as 24-48 hours after approval.
Minimum qualifications (Merchant Cash Advance)
- 500+ FICO Score
- $10K+ Monthly Revenue
- 6+ Months in Business
- U.S. Business Bank Account