Slow, unpredictable payments that strain cash flow and limit growth potential.

Lack of transparency — a black box with no visibility into approval timing or missing documentation.

Administrative overload — billing, document collection, phone calls, and follow-ups consume hours every week.

Steering and conflicts of interest — many TPAs are owned by large repair networks that redirect customers and suppress competition.

Short pays and pricing pressure — valid invoices are often reduced, disputed, or delayed, forcing independents to absorb the difference.