# Senior Care Franchise Funding for Existing Owners

> Funding for operating non-medical home care franchises: weekly caregiver payroll while private-pay and long-term-care insurance invoices pay later, plus recruiting.

Source: https://mfebusinessloans.com/franchise-funding/sectors/senior-care/ (Merchant Fund Express, updated 2026-10-21)

## The short answer

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.

## Why does a home care office run short while it grows?

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.

## Senior care money map: what funds each cost line?

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 |

## Brand not listed? Every operating home care franchise can apply

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:
Client payments by month, separating private-pay deposits from insurance reimbursements where possible
An aging list of open invoices and submitted long-term-care claims
Caregiver payroll, payroll taxes and overtime as normal costs
Royalty and ad fund drafts as recurring obligations
Existing advances or notes, counted in full

## Factoring or a line of credit: which fits a home care office?

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.

## Worked example: adding 300 weekly hours of care

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.
Added weekly payroll: 300 x $19 = $5,700.
Added weekly billing: 300 x $32 = $9,600.
If the insurers reimburse about 6 weeks after care is delivered, the office pays 6 x $5,700 = $34,200 in caregiver wages before the first new reimbursement arrives.
Recruiting 8 new caregivers at an assumed $600 each (ads, checks, training hours) adds $4,800 up front.
Fit: factor the submitted claims to fund payroll, and use working capital for the $4,800 recruiting cost.
Figures in this example are illustrations of the arithmetic, not an offer, quote or approval. Real terms depend on the file and the funder.

## What should a senior care owner send?

About 3 months of business bank statements as PDFs
An aging list of private-pay invoices and long-term-care claims
Weekly caregiver hours or payroll totals
Existing advances, notes or factoring agreements
Entity details if you hold more than one territory
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.

## Keep reading

Franchise funding hub: every product and sector
Invoice factoring for franchise owners: funding payroll from submitted claims
Franchise payroll funding: weekly caregiver payroll
Franchise lines of credit: drawing for private-pay gaps
Staffing and B2B franchise funding: the closest payroll-first sector

## Common questions

### Can a non-medical home care franchise owner fund caregiver payroll?

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.

### Do long-term-care insurance reimbursements count as revenue?

Yes. Reimbursements that land in the business account count as deposits, and submitted claims can support factoring before they pay.

### Can I fund caregiver recruiting?

Yes. Working capital covers job ads, background checks, training and orientation hours.

### We are growing fast and our balance is low. Is that a problem?

A low balance from funding payroll ahead of receivables is normal in home care. The review reads the open invoices alongside the bank statements.

### Are royalty and ad fund drafts counted?

Yes, as recurring obligations. The new payment is sized after them.

### Can a sole proprietor home care owner apply?

Yes. Sole proprietors are eligible, and ITIN applicants are accepted with Spanish-speaking support available.

Apply with Merchant Fund Express: https://merchantfundexpress.com/current-application.html?utm_source=mfebusinessloans.com&utm_medium=franchise&utm_campaign=franchise-funding&utm_content=sector-senior-care