Your claim was approved.
Your money shouldn't wait.

Spoonbill helps healthcare practices access money the same day approved claims clear — reducing reimbursement lag, easing cash-flow pressure, and giving you more control over when cash arrives.

The gap between care and cash is costing you.

Days to weeks

Insurance reimbursement timing varies — but your expenses do not.

78%

of independent practices report cash-flow stress tied to reimbursement unpredictability.

$0

What is in hand while an approved claim is still waiting to be paid.

You provided the care. You submitted the claim. The insurer is processing. But payroll, rent, and vendors are still due on schedule. This is the gap Spoonbill was built to close.

How it works

From approved claim to cash in your account — same day.

1

Submit

Your practice submits claims through Spoonbill.

2

Review

Spoonbill reviews and underwrites the claim for reimbursement readiness.

3

Approve

Approved claims trigger an immediate advance authorization.

4

Disburse

Funds hit your account via real-time payment rails like RTP and FedNow.

5

Reconcile

When the insurer pays, Spoonbill collects its advance plus a 3% fee. You keep everything else.

No loan applications. No patient credit checks. No waiting on a separate financing process. Just approved claims and faster access to capital.

For practices

Built differently. For practices.

Healthcare Reimbursement Focused

Spoonbill is built around the realities of claims, adjudication timing, and practice cash flow — not generic business lending.

Real-Time Payment Rails

When a claim clears, funds move over real-time rails like FedNow and RTP so your practice can access money without unnecessary delay.

Built for Independent Practices

Designed for dental and medical groups that need more control over cash timing without taking on a traditional financing workflow.

Early access

Now accepting pilot practices.

Spoonbill is currently running a controlled pilot with a select group of dental and medical practices in Columbus, Ohio. If you're a practice owner tired of waiting on reimbursement timing you cannot control, we want to hear from you.

“Placeholder — a pilot participant testimonial will appear here once available. This space is reserved for a real quote from a practice owner in the Spoonbill pilot program.”

— Pilot Participant (placeholder)

Get started

Request early access.

Tell us about your practice and we'll reach out to discuss how Spoonbill can help.

We review every application personally. Spoonbill is not a bank. This is not a loan application.