Personal credit took a hit while your agency kept growing? We weigh deposits, consider FICO 500+ and start with a soft pull.
See My OptionsBad Credit Home Health Funding
Owners often float payroll personally while waiting on payers. We look past the score to the revenue your agency brings in.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Three months of statements and a 5-minute application. As little as 24 hours if qualified.
Credit is weighed alongside deposits and obligations, not on its own.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The schedule is in your offer up front, so you can see how it fits your billing cycle.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Home health owners often float the business personally during slow reimbursement stretches. A card balance runs high, a payment slips, and the score drops even though the agency itself is serving clients and growing. A bank may decline on the score alone.
We read your business bank statements first. FICO 500+ is considered, and a soft pull means checking your options will not lower your score.
Credit is one factor among several. Here is roughly how we look at a file:
No tax returns are required, and sole proprietors can apply.
Depending on your deposits and what you need, an agency might be a fit for working capital, a merchant cash advance or revenue-based financing. Each has a different repayment structure, and your offer explains which one you are looking at.
Look at your last three statements the way a reviewer would. Are deposits regular? Are there overdraft days you can explain? Are you carrying obligations that already take a big share of monthly revenue? Being clear and accurate on the application usually moves things along faster than leaving gaps. The home health qualification guide walks through this in more detail.
Many owners with damaged credit avoid applying because they worry each inquiry will push the score lower. Our process starts with a soft pull, so you can see where you stand without that hit. If an offer comes through, you can review the amount, the full repayment amount and the schedule, then decide. There is no obligation to accept, and if the timing is not right you can come back once your deposits have had a few more steady months.
Funding ranges from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours. Every offer shows the full repayment amount and the repayment schedule before you accept. Start with the 5-minute application.
A score alone does not decide the file. FICO 500+ is considered, and deposits and existing obligations carry significant weight.
We start with a soft credit pull, which does not affect your score.
Account health is part of the review, but it is weighed with your overall deposit pattern. Note any one-time issues on your application.
About three months of business bank statements and the 5-minute application. No tax returns are required.
Yes. The full repayment amount is shown in your offer before you accept.
Yes. Sole proprietors can apply, and FICO 500+ is considered.
Example uses for illustration only.
These honest steps can make a credit-challenged file easier to approve.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding