Article
Shift advance benefit for hospitals and clinics (white-label)
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In many hospitals, clinics and health plans, the request for a shift salary advance is routine: it lands on HR, on the roster coordination or on finance, requires an approval, comes out of the cash and becomes an exception to be controlled. Shift advance as a benefit solves that problem in another way: the professional advances on their own, in an app with the institution's brand and with TCI's capital, and the institution keeps paying on the usual date. This article explains how the model works, what the institution gains and what it needs to get started.
01
What the shift advance benefit is
It is the possibility, offered by the institution to the clinical and nursing staff who work as legal entities (PJ), of being paid earlier, by PIX, the amount for shifts already worked and logged. The professional chooses in the app how many shifts to advance, sees the gross amount, the discount and the net, signs the agreement digitally and gets paid. It is not a loan: it is the assignment of an amount the professional is already owed. And it is not an advance from the institution: the capital is TCI's.
It applies to doctors, nurses and nursing technicians, physiotherapists and any healthcare professional who works as a PJ and has a shift logged on the platform, in hospitals, urgent-care units, emergency rooms, clinics, health plans, cooperatives and staffing companies.
02
How it works for the institution
TCI brings the capital and the technology; the institution delivers the benefit under its own brand. The shift payment flow does not change: the institution logs the shifts worked on the platform and keeps paying on the original agreed date. When a professional advances, it is TCI that pays up front; the institution advances nothing and takes not one real out of its cash.
In short, for finance and for HR, three things change: salary advance requests stop arriving, because the shift worker solves it on their own in the app; cash stops financing exceptions; and payments start going out through bank integration, with automatic reconciliation.
03
White-label: your brand, TCI's engine
The platform is white-label: web and mobile, with the institution's logo and colors. For the professional, the benefit belongs to the hospital or clinic where they work; TCI operates behind the scenes. The platform includes:
- a web and mobile application customizable in logo and colors;
- microtransaction management at scale, for advances of one shift or a whole month, for many professionals at the same time;
- digital signature of the assignment agreements in each advance;
- an institution dashboard with the advances made.
04
Bank integration and reconciliation
TCI connects directly to the partner's bank through API or CNAB. Each approved advance becomes an automatic PIX to the professional's account, in batch, with no spreadsheet, no payment slip and no operator typing into internet banking. Financial reconciliation is done in real time, with no manual entry and without the human error that comes with it.
05
Governance and audit
Every advance has a digitally signed agreement, a complete trail per transaction and ready-made reports. For internal audit and for compliance, this replaces the salary advance approved by e-mail or by hallway conversation with a complete record of each transaction.
06
What the institution gains
End of salary advance requests
The shift worker solves it on their own in the app; HR and coordination stop handling exceptions.
Zero cash impact
The capital is TCI's. The institution keeps paying on the original agreed date.
Roster retention
A real and noticed benefit: those who advance tend to stay and take on more shifts.
Automated finance
Bank integration and automatic reconciliation, with no spreadsheet and no manual entry.
Own brand
The benefit is perceived as the institution's, not a third party's.
Governance
Signed agreements, a trail per transaction and ready-made reports.
07
Who it is for
Hospitals, clinics, health plans, medical cooperatives and scheduling platforms or staffing companies that have professionals working as legal entities (PJ) in the clinical and nursing staff, log the shifts and pay at the close. The more shift workers and the more shifts per month, the more salary advance requests the institution stops handling.
08
How to get started
The first step is a 30-minute conversation on WhatsApp, in which TCI presents the product, the cost model and the pilot; what comes next is agreed in that conversation. The request is made through the form on the Shift Advance page, with the subject “Offer shift advance at my institution”; it opens WhatsApp with the message ready.
09
Frequently asked questions
Does the institution have to advance the money or change the payment date?
No. The capital is TCI's and the institution keeps paying the shifts on the original agreed date. The payment flow does not change.
How much does it cost the institution?
The cost model is presented in the first conversation, together with the product and the pilot. For the professional, the cost is the discount, proportional to the days until the next payment window and with the rate defined according to the credit analysis.
Does it work for the nursing team and for professionals other than doctors?
Yes. It works for any healthcare professional who works as a legal entity (PJ) and has a shift logged on the platform: doctors, nurses, nursing technicians, physiotherapists and others. Besides the PJ regime, the criterion is the shift worked and logged by the institution.
How is the bank integration done?
Through a direct connection to the partner's bank, via API or CNAB. Approved advances become an automatic batch PIX to the professionals, with real-time financial reconciliation and no manual entry.
See the for hospitals, clinics, health plans and cooperatives section of the Shift Advance page. Clinics, labs and medical companies that also need to advance invoices and notes receivable can find the path in medical receivables advance.