Verified employment
Applicants are routed only after employment and coverage context are collected.
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Lead Quality Thesis
ZeroPayHealth positions medical finance as a verified workplace-benefits corridor. The lead is not simply a patient seeking credit. The lead is an employed applicant with coverage context, treatment need, and a potential employer savings path.
Applicants are routed only after employment and coverage context are collected.
Clinical and document review help separate real surgical need from casual consumer demand.
The repayment thesis is tied to documented employer savings, not just unsecured borrower intent.
Lenders can state appetite by employer size, sector, geography, and credit policy.
Underwriting context
Landing page case examples should remain de-identified. Use descriptions such as Fortune 500 employee, tech sector, verified $90k+ salary range, or self-insured employer backing rather than patient hardship language. This preserves dignity and signals lead quality to credit teams.