Role-based answers before the first call.

A case is not lender-ready until California operations completes identity verification, background review, employment context, insurance or benefits eligibility checks, consent capture, and case completeness review. Lenders receive the finance-relevant packet while clinical details remain minimized unless a specific review role requires them.

Capital is routed only after the patient confirms a treatment pathway, the hospital package is accepted, and required finance documents are complete. The workflow is structured around documented milestones rather than an open-ended advance.

Settlement timing depends on the employer plan, claims audit, final hospital invoice, discharge packet, and any stop-loss or third-party administrator review. The platform keeps each case tied to a settlement ledger so lender teams can see the current status without needing clinical PHI.

The final finance agreement defines the economics for each approved case. Product logic is designed so employer savings can fund the bridge-finance payoff when the corridor delivers verified savings, while the patient-facing pathway remains positioned around approved $0 out-of-pocket participation.

Before a treatment milestone is reached, the case can be paused, re-priced, reassigned, or closed according to the agreement status. If a patient is no longer clinically eligible or declines the pathway, the workflow records the event and blocks further case progression.

The repayment file can include verification records, consent status, employment or eligibility confirmation, accepted hospital bid, treatment milestones, final invoice, discharge documentation, claims audit notes, employer savings evidence, and payout history.