Instant cash advances on your pending insurance claims – no waiting.
Small business owners and indie hackers endure months-long claims processes that cripple their cash flow and force unaffordable downtime.
ClaimBridge connects users with approved claims to a pool of micro-lenders for immediate 80-90% advances at low fees. Funds hit your account in 24 hours while we handle reimbursement collection. Perfect for cash-strapped indie hackers maintaining operations during delays.
Indie hackers and small business owners dependent on quick reimbursements for cash flow stability
Peer-to-peer lender matching with risk scoring based on historical claim data, offering better rates than banks (2-5% fee vs 10%+).
professional and reassuring
Upload claim details; AI verifies status with insurer portals.
Instant quote based on claim value, history, and risk.
Matches to pre-vetted lenders for fastest approval.
Stripe transfer within 24h of approval.
Auto-collects from insurer and repays lender.
Shows eligibility and tips to improve.
Tracks past advances for better rates.
Direct messaging for custom terms.
Lender-side claim performance.
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| text | No | |
| role | text | No |
| stripe_id | text | Yes |
| created_at | timestamp | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| status | text | No |
| value | int | No |
| insurer_evidence_url | text | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| claim_id | uuid | No |
| lender_id | uuid | No |
| amount_advanced | int | No |
| fee | int | No |
| repaid | bool | No |
Relationships:
/api/advances/quoteGenerate advance quote
/api/advancesRequest advance
/api/claims/verify/:idVerify claim status
/api/advancesList available/open advances (lenders)
/api/payouts/:advanceIdTrigger payout
No advances
1/mo
None
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 150 | 4% | $90 | $1,080 |
| Month 6 | 900 | 10% | $1,350 | $16,200 |
Get 90% of your claim value in 24 hours – fees as low as 2%. No credit check.
Target Twitter searches for 'waiting on insurance claim'; Offer first advance fee-free to 3 indie hackers from HN; Recruit lenders from r/personalfinance.
B2B focus
Slow approval
P2P + AI for faster, cheaper advances
Network effects from more lenders/borrowers improve rates and speed.
Inflated claims volumes post-pandemic + fintech lending boom.
Default rates high
AI risk scoring + insurance on advances
Lending regulations
Partner with licensed lenders
Lender acquisition
Seed with personal network
Success: 20+ at <5% fee
Success: 100% repayment
Success: $50k volume
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