Merchant Fund Express
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Equipment Financing for Home Health Agencies

Finance vans, patient lifts, tablets and monitoring devices without draining the cash that covers caregiver payroll.

Finance Equipment

Home Health Equipment Financing

Get the gear your caregivers need in the field

Vehicles, devices and patient equipment keep visits on schedule. Financing them protects the cash your agency runs on.

As fast as
24 hours

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.

Equipment financing, agency style

Fast and simple

A 5-minute application and about three months of statements. As little as 24 hours to fund if qualified.

Credit is not everything

FICO 500+ considered. Deposits and obligations shape your offer.

Total cost upfront

See the full repayment amount before you accept, with no surprise costs after you sign.

Predictable payments

Your repayment schedule is laid out in the offer so you can budget around it.

Waiting on deposits to land?

Fast decisions. Applying takes about 5 minutes.

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How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

Equipment that goes out the door with your staff

Unlike a clinic, a home health agency's equipment travels. Nurses need reliable vehicles, aides carry tablets for visit notes, and clients may need patient lifts, hospital beds, mobility aids or remote monitoring devices. Buying all of that with cash ties up money you need for payroll.

Equipment financing spreads the cost of those purchases so your operating cash stays available for wages and day-to-day costs.

What agencies typically finance

If something already in service breaks, the equipment repair funding page covers that situation.

How the review works

We start with the 5-minute application, about three months of business bank statements and a soft credit pull. FICO 500+ is considered, no tax returns are required, and sole proprietors can apply. The amount we can offer depends mainly on your deposits and any existing obligations, not just the price tag of the equipment.

Your offer shows the full repayment amount and the repayment schedule before you accept.

An example for illustration

For illustration: an agency adds a pediatric service line and needs two accessible vans plus a set of tablets for the new nurses. Paying cash would drain the reserve that covers the next two payroll cycles. Financing the vans and devices lets the agency launch the service while keeping payroll funded. The owner would compare the full repayment amount in the offer with the revenue the new line is expected to bring in.

Timing the purchase

Agencies often wait until a vehicle fails or a client needs a lift tomorrow. Planning ahead gives you more choice. If you know census is growing, look at what equipment the next round of clients and staff will need and apply before it becomes urgent. That also gives you time to compare quotes and read your offer carefully rather than signing under pressure.

Not just equipment?

If you also need cash for hiring and training, working capital for home health may cover both. For recurring needs, look at a business line of credit. Funding ranges from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours. Start your application.

Frequently Asked Questions

Can I finance used vehicles for my agency?

Tell us what you plan to buy on the application. The review focuses on your agency's deposits and existing obligations, and your offer spells out the details.

Do I need a quote from the seller?

Having a quote helps you request the right amount, but the starting documents are the application and about three months of bank statements.

What credit score is considered?

FICO 500+ is considered, and we start with a soft pull that does not affect your score.

Are tax returns required?

No tax returns are required.

How fast can funding happen?

Qualified businesses can be funded in as little as 24 hours.

Can I combine equipment with other costs?

Tell us what you need on the application. Depending on your file, working capital may cover equipment plus hiring or supplies in one offer.

Accessible van $45,000.00
EVV tablets $9,000.00
Patient lifts $16,000.00
Monitoring kits $20,000.00

Example uses for illustration only.

How to improve your chances

A little prep makes equipment requests easier to size.

  • Get written quotes for the equipment you need
  • Keep deposits in one business account
  • Avoid negative balance days before applying
  • List existing obligations accurately

Our equipment financing vs. a bank

Merchant Fund Express
Traditional bank loans
Paperwork
About 3 months of statements
Tax returns and financials
Credit
FICO 500+ considered
Often stricter
Credit check
Soft pull to start
Hard pull
Speed
As little as 24 hours if qualified
Weeks
Sole proprietors
Can apply
May be limited

Equip your agency for its next client

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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