Caregivers are paid weekly while payers reimburse later. Plan for the lag, and fund it when growth calls for it.
See My OptionsHome Health Cash Flow
From $25,000 for established home health agencies with steady deposits. About three months of bank statements, no tax returns, soft pull to start.
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.
About 5 minutes and three months of business bank statements. Qualified agencies can be funded in as little as 24 hours.
FICO 500+ is considered. We start with a soft credit pull and weigh your deposit history.
Your offer shows what you will repay before you accept. No surprise costs after you sign.
Repayment terms are laid out in the offer up front, so you can match them to your pay 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 agencies live with one of the widest gaps in small business. Caregivers, aides and nurses are paid every week or every two weeks. Reimbursement from insurers, managed care plans and other payers can take much longer, and a billing error or missing authorization can push a claim back further. Private-pay clients help, but for many agencies they are a smaller share.
The more clients you accept, the more payroll you carry before any of it is reimbursed. That is the heart of home health cash flow: growth is good for the mission and hard on the bank account.
Contract terms are a starting point. What matters is how long each payer actually takes in your billing history. Build a simple table by payer: average days to pay, typical denial reasons and how long rework takes. That table tells you how much payroll you are carrying at any given time.
Mileage reimbursement, onboarding and training for new caregivers, background checks, scheduling software and compliance work all land before a new client's first payment. Turnover adds to it, because every new hire carries onboarding cost. Track these per new client so you know what growth really costs.
Our home health payroll funding page goes deeper on bridging caregiver pay.
For illustration: an agency adds several new clients in one month. That means more caregiver hours on the next payroll, plus onboarding for two new aides. Reimbursement for those visits may not arrive for several weeks. If the agency plans for that lag before saying yes, growth feels manageable. If it does not, a strong month can turn into a tight one.
Merchant Fund Express offers working capital for home health agencies, a business line of credit for recurring payroll gaps, and revenue-based financing. Funding runs from $25,000 to $5,000,000 and is sized mainly on your deposits and existing obligations.
We review about three months of business bank statements, consider FICO 500+, start with a soft credit pull, and do not require tax returns. Start the 5-minute application when you are ready.
Bank statements are the core document. We may ask follow-up questions about large payers, but there are no tax returns required.
Agencies commonly use working capital or a line of credit for payroll timing gaps. The amount depends mainly on your deposits and existing obligations.
We look at about three months of deposits and try to understand the pattern. Steady activity over time matters more than any single week.
Qualified businesses can be funded in as little as 24 hours after approval and signing.
The full repayment amount and the repayment schedule, both before you accept. Nothing is added after you sign.
Example uses for illustration only.
These steps make an agency's cash steadier and its numbers clearer.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding