Turn Accrued Liability into Retention Capital.

Transaction-based pricing.
No PEPM risk. Zero setup costs.

For healthcare systems, PTO is a growing financial exposure that often stays frozen on the balance sheet due to 24/7 clinical staffing demands. PTO Exchange provides a cost-neutral way to amortize this debt. Organizations pay only a one-time implementation fee, with no ongoing monthly hosting costs. By allowing staff to convert unused time into 403(b) contributions or student loan relief, you solve the burnout crisis while improving your debt-to-equity ratio.