Franchise funding by sector
Caregivers are paid every week. Families and long-term-care insurers pay on their own schedule. How home care owners fund the space in between.
✓ Merchant Fund Express starts with a soft credit pull. Terms depend on your business's revenue and history.
Updated October 21, 2026 · Merchant Fund Express
Already running a non-medical home care franchise and need capital? Merchant Fund Express funds existing senior care owners with business loans, merchant cash advances, revenue-based financing, lines of credit, invoice factoring and working capital. We read client payments at the office level, count royalty and ad fund drafts as normal costs, and give a same-day decision on a complete file.
A non-medical home care office sells caregiver hours: companionship, bathing and dressing help, meal preparation, transportation and respite. Caregivers are paid weekly or biweekly. Clients pay in two main ways: private-pay families, who are typically invoiced after the hours are delivered, and long-term-care insurance policies, which reimburse after claims and care notes are processed and can take weeks.
Every new client means more caregiver hours paid before that client's money arrives. Add recruiting, which never stops in this sector (job ads, background checks, training, orientation hours), plus scheduling software and the franchisor's drafts, and a fast-growing office can be short of payroll cash precisely when it is succeeding. Merchant Fund Express reads the receivable book, not just the bank balance, and matches the product to the timing.
| Cost line | Timing | What fits |
|---|---|---|
| Caregiver payroll and overtime | Weekly or biweekly | Payroll funding or a line of credit |
| Long-term-care insurance claims | Reimbursed after claim processing | Invoice factoring against submitted invoices |
| Private-pay invoices | Billed after hours delivered | Line of credit draws for the gap |
| Recruiting: ads, background checks, training | Continuous, heavier when adding clients | Working capital |
| Referral marketing to hospitals and senior communities | Growth pushes | Marketing funding |
| Scheduling and care-tracking software | Brand-standard upgrade | Tech upgrade funding |
Individual senior care brand pages are not published yet. Any operating non-medical home care franchise can apply today, and the review reads the same items for every brand:
| Office profile | Better fit | Why |
|---|---|---|
| Office with a growing share of long-term-care insurance clients | Invoice factoring | Leans on the submitted claims and invoices |
| Office open 3+ years, mostly private-pay, FICO 650+ | Line of credit | Draw for payroll gaps, interest only on draws, 2.49% fee per draw |
| Office under 3 years with steady deposits | Revenue-based financing | 6+ months open, FICO 600+, payments sized to revenue |
Terms depend on the business's revenue and history. The generic comparison is on line of credit vs invoice factoring.
A hypothetical home care franchise delivers 900 caregiver hours a week. It accepts four new clients covered by long-term-care insurance, adding 300 hours a week. Assume caregivers cost $19 an hour including payroll taxes and the office bills $32 an hour.
Figures in this example are illustrations of the arithmetic, not an offer, quote or approval. Real terms depend on the file and the funder.
Merchant Fund Express asks for no tax returns in a typical first review. Funding runs from $25,000 to $5,000,000. For general industry context see home health funding; owners adding a second territory can read funding a second franchise location.
Yes. Merchant Fund Express funds that payroll gap with invoice factoring, a line of credit or working capital, depending on the office's client mix and history.
Yes. Reimbursements that land in the business account count as deposits, and submitted claims can support factoring before they pay.
Yes. Working capital covers job ads, background checks, training and orientation hours.
A low balance from funding payroll ahead of receivables is normal in home care. The review reads the open invoices alongside the bank statements.
Yes, as recurring obligations. The new payment is sized after them.
Yes. Sole proprietors are eligible, and ITIN applicants are accepted with Spanish-speaking support available.
Merchant Fund Express reviews your location's revenue, deposits and existing payments. Same-day decision on a complete file; funding often the next business day. About five minutes to apply.
