Frequently
Asked Questions

IPM provides liquidity solutions to healthcare providers who treat personal-injury (PI) patients under Letters of Protection (LOPs). Instead of waiting 12–36 months for reimbursement tied to legal settlements, providers receive 30–50% of the net collectible value within 24–72 hours. IPM purchases or finances PI medical receivables secured by third-party liens and manages all downstream collections.

Non-debt structure: Advances are tied to receivables, not credit.
PI-specific underwriting: Built on 25+ years of PI legal and medical finance expertise.
Faster funding: 24–72 hour turnaround.
Transparent pricing: Clear origination and collection fees, no hidden costs.
Proprietary analytics: Improve pricing, risk scoring, and collections outcomes.

PI market (2025): ~$62B
Annual economic impact of motor vehicle crashes: ~$242B
52% of PI cases stem from auto accidents, which rely heavily on LOPs and lien financing
PI reimbursement delays (12–36 months) create persistent liquidity demand
The market is expanding due to rising healthcare costs, steady accident volumes, and regulatory pressures.

25+ years of PI and medical receivables financing experience
The founder and his previous team deployed over $400M to manage more than $2B in assets. The founder has consistently achieved annual investor returns of 15% for nine straight years with zero missed investor payments in company history and operations spanning 14+ states.

Medical lien–backed receivables represent payments owed to accident victims in an automobile accident, also known as personal injury cases. Instead of receiving immediate payment from insurers, providers treat patients under a medical lien—a legal claim on the future settlement or judgment proceeds. Investors can purchase or finance these receivables at a discount, earning returns when the underlying cases resolve.

Step-by-step workflow:
Treatment & LOP: Provider treats patient under Letter of Protection.
Invoice Submission: Provider sends PI receivables to IPM.
Underwriting: IPM assesses lien validity, attorney strength, case details, and expected recovery.
Funding: IPM advances 30–50% of net collectible value within 1–3 days.
Settlement & Collection: At case resolution, the law firm pays IPM from its trust account.
Final Distribution: Provider receives remaining balance minus agreed fees.

Providers often face reimbursement delays from insurers, particularly for accident-related care. Medical liens ensure payments when the case settles. Selling or financing their lien-backed receivables provides immediate liquidity to support operations, payroll, and growth while treating patients without waiting months—or years—for settlement resolution.

Immediate liquidity for payroll, rent, equipment, and expansion
Reduced administrative workload through outsourced lien management
Predictable revenue cycles in an uncertain reimbursement environment
Capacity to treat more PI patients without cash-flow bottlenecks
No debt added to their balance sheet

Providers with consistent PI patient volume and $100K+ in monthly PI receivables, including:
Orthopedic & spine practices
Ambulatory surgery centers
Imaging centers (MRI/CT)
Pain management & physical therapy
DME companies
Ambulance & medical transport services

Timing depends on the pace of each legal case, typically 12–36 months. Factors include court timelines, discovery periods, litigation, negotiation process, and insurance carrier responsiveness.

Contrary to common assumptions, these receivables are not paid by health insurers like Aetna or BlueCross. They are paid by law firms from settlements negotiated with automotive liability insurers (State Farm, Allstate, Geico, etc.). Funds are distributed from the attorney's trust account directly to IPM.

InjuryPro Capital's specialized department monitors each case's progress every 90 days, verify attorney cooperation, and collect payments upon settlement.

Lien-backed receivables often cover orthopedic surgery, pain management, imaging (MRI/CT), physical therapy, and chiropractic care—services frequently required after motor vehicle accidents or personal injury events.

Yes. Medical liens are governed under state personal injury and healthcare lien statutes. Compliance requires proper documentation, disclosure, and adherence to local regulations governing lien enforcement and settlement distribution.

Key risks include:
Timing: Legal cases can take longer than expected to resolve.
Underwriting: Weak or missing lien documentation may delay payment.
Payment Delays: Payment relies on attorney cooperation during disbursement.
Well-structured portfolios mitigate these risks through diversification, attorney vetting, and underwriting standards.

Risk mitigation strategies include:
Partnering with established law firms and medical groups
Diversifying across hundreds of liens, jurisdictions, and case types
Using conservative loan-to-value (LTV) ratios
Employing experienced legal collections and case-tracking teams

InjuryPro Capital is the investor-facing division that:
Raises and manages private capital
Provides investors with a collateralized medical-lien asset class
Supports IPM's provider financing activities
This integrated structure aligns providers, attorneys, and investors in a sustainable ecosystem.

Addresses 3 keys for investment success (Growth, Income, Preservation of Principal)
High yield relative to duration
Low market correlation and low volatility
Asset-backed by legal claims
Predictable returns
Large and growing Total Addressable Market (TAM)
Social impact — enabling care for patients who otherwise couldn't afford treatment

No. Returns on medical lien receivables are uncorrelated with traditional equities and interest rates, as they depend primarily on legal outcomes rather than macroeconomic conditions.

Provider-First Focus
Integrity & Transparency
Operational Efficiency
Expertise in healthcare, finance, and PI law
Technology-driven innovation