Stable Employment
Every applicant must be a full-time employee of a U.S. company with a steady monthly income stream and employer-sponsored coverage.
ZeroPayHealth
Review Asset Quality
Portal Login
Choose your workspace
Hover to open. Sign in with the email assigned to your role.
Patient PortalReview your application status, upload records, and confirm your California consultation.Employer BenefitsTrack redirected claims, savings evidence, and compliance documents.Hospital TeamManage assigned patients, clinical milestones, medical records, and billing PDFs.Lender TeamReview verified cases, upload final agreements, and authorize funding.Claims SpecialistReconcile claim packets, final costs, and employer settlement evidence.Care ConsultantCoordinate travel support, translation review, onsite proof, and patient updates.CA OperationsRun identity verification, office appointments, and final-pass coordination.Platform AdminOpen the system control tower for governance, RBAC, and platform oversight.
Employment-Backed Medical Assets
Access High-Yield Medical Assets Backed by Steady Employment.
Our leads aren't just patients; they are vetted employees of established U.S. corporations with consistent income and employer-sponsored coverage.
Prospectus Snapshot
Prime-Quality Lead Stack
Verified Employment
100%
Employer-Sponsored Coverage
Required
Self-Insured Corporate Backing
Prioritized
Asset Thesis
ZeroPayHealth positions medical bridge finance as a leverage tool for workplace professionals, not emergency subprime lending. Lead quality starts with verified employment and ends with a documented employer settlement path.
Why Our Leads Are Prime
The underwriting advantage is the person behind the procedure.
Low Default Risk
The repayment path is connected to employer-sponsored benefits and claim savings, creating materially stronger alignment than unsecured consumer demand.
Future Lifetime Value
These are workplace professionals with long-term credit potential, making each qualified lead a foundation for broader financial services.
The Risk-Mitigation Engine
Multi-Layer Verification before a lead reaches your credit desk.
Each lead is checked across employment, clinical legitimacy, and settlement economics. This lets lenders evaluate an asset supported by income continuity, verified procedure need, and employer-funded savings.
Control Stack
Multi-Layer Verification
Layer 1Verification 1/3
Employment Check
California headquarters verifies the applicant's employment relationship, coverage status, and basic income continuity.
Layer 2Verification 2/3
Procedure Validation
Clinical consultants verify the procedure need, medical corridor fit, and documentation quality before lender routing.
Layer 3Verification 3/3
Employer Settlement
The final repayment logic is connected to self-insured employer savings and documented settlement workflows.
Portfolio Performance
Simulated indicators built for credit committees.
These examples are de-identified and modeled for lender review: Fortune 500 Employee, Tech Sector, $90k+ Salary. The point is lead quality, employment continuity, and settlement visibility.
Expected Default Rate
< 1%
Driven by full-time employment screening and employer-sponsored coverage.
Average LTV
High
Prime workplace leads can support repeat credit, insurance, and benefit-linked finance products.
Verified Income Range
$70k-$180k+
Portfolio targeting can be tuned by income, industry, employer type, and geography.
Verified Income Range
Applicant Distribution Preview
$70k-$90k34% concentration signal
$90k-$120k46% concentration signal
$120k-$180k62% concentration signal
$180k+28% concentration signal
De-identified Examples
Fortune 500 Employee
Operations Director
$140k+ Salary
VettedTech Sector
Senior Engineer
$190k+ Salary
VettedHealthcare Group
Clinical Manager
$105k+ Salary
VettedLead packets are designed for privacy-first review: employment status, income band, procedure category, coverage context, and settlement pathway without unnecessary personal exposure.
Lender Partnership
Apply to receive employment-backed medical finance opportunities.
Tell us your credit allocation and portfolio preference. ZeroPayHealth can route prime-quality leads by employment profile, income range, industry, and employer-backed settlement pathway.
Modeled capacity
100
Approximate bridge-finance cases at $2,500,000 allocation, assuming a $25,000 corridor cost per approved procedure.