Keep a reserve ready for late reimbursements, payroll weeks and surprise costs. Soft pull to start, simple paperwork.
Check EligibilityHome Health Line of Credit
A line of credit lets your agency cover caregiver pay and operating costs on your timeline, not the payer's.
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.
A 5-minute application and about three months of statements. As little as 24 hours if qualified.
FICO 500+ considered. Deposits and obligations shape the review.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
How draws are repaid is laid out in the offer so payroll planning stays simple.
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 revenue can arrive in uneven waves. One month a batch of claims clears quickly, the next a payer sits on them. A business line of credit gives your agency a reserve to draw from when that happens, so caregiver pay does not have to wait.
Use what you need, when you need it. Your offer explains how draws and repayment work before you accept.
Most agency cash needs are recurring rather than one-time. Payroll lands every cycle. New clients need staffing every month. A line of credit matches that pattern better than a single lump sum for many owners. If you need one larger amount for a specific project, working capital for home health may be simpler. Our line of credit vs. MCA comparison walks through the tradeoffs.
Will I know how repayment works before I draw? Yes. Your offer lays out the full repayment amount and how repayment works before you accept, with no surprise costs after you sign.
FICO 500+ is considered, no tax returns are required, and sole proprietors can apply. We are looking for an established agency with steady deposits.
A line of credit is most useful when it is treated as a reserve rather than a second checking account. Agency owners who get the most from it draw for timing gaps, then let incoming reimbursements bring the balance down. That keeps room available for the next slow payer or surprise expense.
Before you accept, review the full repayment amount and the repayment schedule in your offer and compare them with your typical monthly deposits. If your agency is growing quickly, consider how much headroom you will want during your busiest periods. For a broader look at cash timing, the home health cash flow guide covers billing cycles and planning, and the qualification guide explains how files are reviewed.
Owners draw on a line to cover payroll during a reimbursement delay, pay a surety bond or insurance renewal, cover overtime during a flu season surge, or handle an unexpected expense. Funding ranges from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours. Start your application.
A line gives you access to funds you can draw as needed. Working capital is typically a single lump sum. Your offer explains exactly how your product works.
Yes, that is one of the most common uses for home health agencies.
FICO 500+ is considered, and we start with a soft pull.
About three months of business bank statements and the application. No tax returns are required.
Qualified businesses can be funded in as little as 24 hours.
Yes, sole proprietors can apply.
Example uses for illustration only.
These habits help an agency present a stronger line of credit file.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding