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Built for independent US clinics

Predictable cash flow for care you’ve already delivered.

Seher AI is building a financing and claims-recovery platform that gives eligible clinics upfront cash for commercial insurer receivables—then uses AI-assisted operations to pursue the payer.

Book a 15-minute call See the model

Insurer receivables only. Never patient debt.

Commercial claim Eligible
Face value $100.00
Illustrative upfront cash $60.00
01 Payer status checked
02 Next action prepared

Illustrative workflow · terms subject to underwriting and legal review

For practice owners, operators, and RCM leaders

Launching with select commercial-claims design partners

The clinic’s reality

Care delivered.
Cash still trapped.

Every unresolved claim pulls clinical teams back into portals, payer rules, hold queues, documentation, and appeals. Seher is designed to turn that administrative drag into an underwriting signal.

20%

of in-network HealthCare.gov claims were denied in 2023.

KFF analysis of CMS data ↗
25min

average provider time for a phone-based claim-status inquiry.

CAQH Index 2024 ↗
The model

Certainty now.
Recovery over time.

Clinics get a clear offer for an eligible portfolio. Seher assumes the time, workflow, and recovery risk—subject to underwriting and a compliant purchase structure.

  1. 01

    Submit

    Share a portfolio of eligible commercial insurer receivables.

  2. 02

    Assess

    Evaluate compliance eligibility, collectability, and expected value.

  3. 03

    Fund

    Receive upfront cash at an agreed discount for approved receivables.

  4. 04

    Recover

    AI-assisted operations pursue the payer, with people handling exceptions.

Planned product

Seher AI is currently validating underwriting criteria, purchase terms, assignment, payment routing, and portfolio limits with US clinics and specialist counsel.

The recovery engine

Built for the places payer workflows break.

The system joins claim context, payer-specific knowledge, tool-using agents, and human judgment into one recovery loop.

Discuss your claims workflow
  1. 01
    Ingest

    Claims, remits, notes, and payer context

  2. 02
    Score

    Eligibility, collectability, and next-best action

  3. 03
    Work

    Portals, documents, voice calls, and appeals

  4. 04
    Review

    Human escalation for exceptions and regulated decisions

  5. 05
    Learn

    Reconcile outcomes and improve payer playbooks

Founder-built technical starting point

Payer IVRsHold handlingLive repsStructured answers

Existing US healthcare voice-agent capability—not a claim that the full Seher platform exists today.

Illustrative economics

Discipline before scale.

Explore the model below. This is a transparent scenario tool—not pricing, an offer, or a forecast.

$100,000
$25k$500k
Illustrative purchase price 60% Illustrative gross recovery 78% Illustrative costs 10%
Upfront clinic cash $60,000
Illustrative recovery $78,000
Illustrative contribution $8,000

Before losses, taxes, reserves, and unmodeled financing or compliance costs.

Start narrow

Commercial orthopedic and MSK claims.

A US-validation hypothesis—not a locked market choice.

01

Higher-value procedure claims

02

Repeatable codes and payer patterns

03

Documentation-heavy denials and appeals

04

Independent-practice cash-flow sensitivity

Stage 01

Recover first

Run AI-assisted recovery pilots while the clinic retains receivable risk.

Stage 02

Purchase selectively

Price from observed recovery, cycle time, and cost-to-collect.

Stage 03

Scale a portfolio

Expand only after legal validation and staged financing.

Founder–market fit

The hard technical layer is already familiar.

Saurav Kumar has built production AI agents inside US healthcare workflows—and brings repeat-founder experience to the work of commercializing them.

Healthcare operationsAI agentsSeher AI
10+years building production technology
2× YCAuthlayer (W19) and ZeFi (S20)
12+production AI systems through xAGI Labs
1prior company acquisition

Recent work includes payer IVRs, hold handling, live representatives, and structured information extraction for US healthcare operations.

How trust is designed

Compliance infrastructure is part of the product.

BAAs Minimum-necessary access Audit trails Human escalation Contract and state-law review

Government-program receivables are excluded from the initial model until specialist counsel validates payment-routing and reassignment structures.

Questions, answered

Before we talk.

Is Seher collecting patient debt?

No. The planned model is limited to eligible receivables owed by commercial insurers. Seher will not purchase or collect patient debt.

Is the financing product live today?

Not yet. Seher is recruiting design partners to validate workflows, underwriting inputs, legal structure, and pilot economics before offering receivables purchases.

What happens in a first pilot?

The intended first stage is recovery-first: understand a clinic’s claim mix, test AI-assisted operations, and measure resolution rate, cycle time, exceptions, and cost-to-collect while the clinic retains receivable risk.

Which clinics are the initial fit?

Seher is initially speaking with independent US orthopedic and MSK practices focused on commercial claims. That beachhead will change if customer evidence points elsewhere.

Design-partner program

Help shape the dawn of a better claims model.

We’re speaking with clinic owners, practice managers, and RCM leaders. Tell us where insurer receivables get stuck; we’ll bring a focused pilot conversation.

15-minute introNo patient data requiredNo commitment
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