Buy time
Up to 60 more days on any bill. Any vendor, any amount, any rail — even the one who only takes a paper check.
Pay Vendors In Your Time, Not Insurers
Your vendor is paid today, the way they want. You repay on your own terms — so a slow reimbursement never costs you a discount, a surcharge, or a night's sleep.
NO APPLICATION
NO ENROLLMENT
NO NEW UNDERWRITING
Have questions? Give us a call: (845) 373-5934
ON EVERY BILL IN BILLPAY・ANY VENDOR, ANY RAIL・30 OR 60 DAYS — YOU PICK, PER BILL
YOUR OPERATING ACCOUNT
$214,650
UNTOUCHED
No change today. Repay on your term.
at the same moment…
YOUR VENDOR
Besse Medical $18,000
PAID TODAY · ACH
Repayment term
30 DAYS
Trusted by 700+ healthcare practices and 2,500+ professionals:
Squeezed From Both Sides.
Insurers take longer to pay every year. Vendors charge more to wait — or to swipe.
THE 15-DAY HOLE — your money, gone before theirs does
DAY
0
$18,000 drug order arrives
DAY
30
Invoice due — reimbursement nowhere in sight
DAY
45
Reimbursement finally lands
DAY
0
$18,000 drug order arrives
DAY
30
Invoice due — reimbursement nowhere in sight
THE 15-DAY HOLE — your money, gone before theirs does
DAY
45
Reimbursement finally lands
Drain the account
And hold your breath until the payer shows up.
Eat the 3% card surcharge
Buy time with the card — and hand the vendor 3% for the privilege.
Call and ask for more time
Spend vendor goodwill you'll want later.
Fifteen days shouldn't cost you money.
FlexPay's 30-day term covers the gap — and 60 covers the slow payers.
It's Not "Pay Later."It's Pay Smarter.
Capture the discount
Pay day 9, take the 2/10 Net 30 — without draining the account. The discount you capture can outrun the fee you pay.
Skip the surcharge
Your vendor gets ACH — no 3% card fee for them, no surcharge for you. You still get the time.
The breathing room of a card.
Paid like an ACH.
Any Bill. Any Vendor.One Click At Payment.
Besse Medical
$18,000
Pay via ACH
Money leaves your bank today
Pay with FlexPay
Vendor paid today — keep your cash
30 days
1.49% fee
60 days
2.99% fee
Besse Medical
$18,000
Pay via ACH
Money leaves your bank today
Pay with FlexPay
Vendor paid today — keep your cash
30 days
1.49% fee
60 days
2.99% fee
1.Choose it
Select FlexPay at payment. Any invoice. Pick your term per bill.
Your vendor
$18,000 sent
ACH · today · on time
Your account
Untouched
Repay Nitra on day 30
2.Two things at once
Your vendor is paid. Your bank account is untouched.
FlexPay
McKesson
$6,400
DUE IN 3D
Henry Schein
$2,150
COMPLETED
Cardinal Health
$9,750
EXTENDED
Owens & Minor
$4,300
SCHEDULED
3.Always visible
You always know exactly what you owe and when. Every flexed bill, one screen. No surprises.
Vendor paid today. Cash stays put. Repay on your term.
We Front The Money.
So You Have Extra Time.
In buy-and-bill medicine, you purchase the drug months before the insurer pays for it. Find your specialty — see your version of the gap.
$18,000 of biologics in the fridge.
Reimbursement in 45–90 days.
Day 30
You pay the distributor
Day 45–90
The payer pays you
A rolling balance
Fronted at any moment
WITH FLEXPAY
Flex the distributor invoice and the drug and its reimbursement finally live in the same month. New-patient growth stops eating your reserves.
“The drug fridge is a loan you made to the insurance company. FlexPay pays it back on your schedule.”
Don't see your specialty? If you buy before you're reimbursed, FlexPay is built for you.
What It Costs.
When It's Worth It.
Stated up front, never buried. Not for every bill — for the ones where timing is tight.
30 DAYS
1.49%
60 DAYS
2.99%
FLEXPAY · 30 DAYS
1.49%
Vendor paid on time, any rail. Cash stays put. One click, no application.
THE CARD SURCHARGE
~3%
The time of a card — and the vendor charges you for the swipe.
THE MISSED DISCOUNT
2%
The 2/10 Net 30 you pass up every time the account isn't comfortable.
THE BANK LINE OF CREDIT
Weeks
Application. Underwriting. Waiting. A standing commitment — for a timing gap.
You already pay for timing. You just pay it invisibly.
FlexPay makes the cost visible, smaller, and optional. Use it the month you need it. Ignore it the month you don't.
Already inside BillPay. No application, no enrollment, no new underwriting — it's on every bill, waiting for the month you need it.
Bigger than 60 days?
New to BillPay?See how a forwarded invoice pays itself
We used to time drug orders around the payer calendar. Now the vendor's paid the day the invoice lands — and I stopped checking the account balance every morning.
Dr. Valerie Sterling
NexaHealth Family Practice
Quick Answers
Effectively a short one, yes. Nitra pays your vendor now; you pay Nitra back over 30 or 60 days, and you can watch the balance in the FlexPay section any time. No application, no bank meeting — it's right in the bill-pay flow.
1.49% for 30 days or 2.99% for 60.* It's not for every bill — it's for the ones where holding your cash a month or two is worth more than the fee. The vendor is paid on time either way.
There's a 1-day grace period, then 1.5% for each additional 15 days until the balance is repaid. If you're not sure, pick the 60-day term up front.
Any bill in BillPay. Any vendor, any amount, any payment rail — even the vendor who only takes a paper check.
No. Your vendor is paid on time, the way they always are. FlexPay is between you and Nitra.
Slow Reimbursements Shouldn't Cost You Savings.
No application. No enrollment. It's already on every bill in BillPay — use it the month you need it.