About Substrate

The hardest work shouldn't fall on your team.

Substrate is the company behind Substrate ARC: Autonomous Revenue Cycle. We build AI agents that take on the hardest, most labor-intensive parts of denials, appeals, claim status, posting, and eligibility, so more of the revenue you earned gets collected, faster, without adding headcount.

Why we built Substrate

Revenue cycle teams are buried in repetitive work, and the software meant to help only automates the easy part. The hard exceptions, the denials, the appeals, the underpayments, still land on someone's desk. We started Substrate to change that: agents that take on the hardest work, not tools that hand it back to you. Automation does the tasks. Substrate ARC does the work.

What we believe

The third wave of RCM labor is here.

Insourcing was followed by outsourcing then by offshoring. AI agents come next. The teams that adopt it first collect faster, for less, and have a compounding advantage.

The work is the deliverable.

Not another dashboard, and not another chatot. Denials recovered, days in AR down, cash in the door faster

Measured on outcomes

Not features shipped. If your net collections don't move, we haven't done our job.

Who's building it

Backed by Y Combinator. Senior operators from Cash App, Carbon Health, Hotel Tonight, AngelList, and Block.

Ayo Omojola, Co-founder and CEO of Substrate

Ayo Omojola, Co-founder & CEO

Previously Chief Product Officer at Carbon Health, and a founding product lead on Cash App's banking team, where he co-created the Cash Card. He started Substrate to bring that operator discipline to the part of healthcare that decides whether providers get paid.

Inderpal Singh, Co-founder and CTO of Substrate

Inderpal Singh, Co-founder & CTO

Previously at Hotel Tonight. He co-founded Substrate to build the systems that let the agents run the revenue cycle reliably, and at scale.