Merchant Fund Express
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Emergency Funding for Home Health Agencies

A claims hold or surprise expense should not stop patient care. Fast decisions and funding in as little as 24 hours for qualified agencies.

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Home Health Emergency Capital

Keep visits on schedule while you fix the problem

When reimbursements stall or something breaks, we review your bank statements quickly and size funding to the gap you need to cover.

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.

Emergency capital without the runaround

Quick decision, minimal documents

Bank statements and a five-minute application. Funding in as little as 24 hours for qualified agencies.

Bruised credit considered

FICO 500+ is considered. Your deposit pattern weighs heavily in the decision.

Know the full cost first

Your offer states the total repayment amount before you accept. No added costs after you sign.

Repayment you can see ahead

The schedule is laid out in your offer so you can plan around it as deposits recover.

Need capital this week?

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.

Emergencies in home health rarely wait

Patients still need their visits when a payer holds a batch of claims, a billing system update stalls submissions, or a key vehicle is totaled. Aides still need to be paid on Friday. A surprise audit response or a sudden rent increase can drain the operating account in a week.

Emergency funding for home health is about keeping care going while the problem gets fixed, not about growth. The goal is to cover the hole and get back to normal.

Common emergencies we see

Each of these has a cost you can estimate and an end point you can see. That makes them good candidates for short, focused funding rather than open-ended borrowing.

How fast this can move

The application takes about five minutes. We ask for about three months of business bank statements and no tax returns. Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses. Weekends and bank holidays can affect when money posts, so apply as early as you can.

We start with a soft credit pull. FICO scores from 500 up are considered, and sole proprietors can apply.

Borrow for the gap, not more

In a crunch, it is tempting to take the largest amount available. Instead, add up what the emergency actually costs and how long until normal deposits resume. Funding ranges from $25,000 to $5,000,000, and the amount offered depends mainly on deposits and existing obligations.

Working capital or a merchant cash advance are the usual fits for a one-time shortfall. Check the full repayment amount and schedule in your offer before accepting, then apply now. For longer-term planning, see our home health cash flow guide.

Frequently Asked Questions

Can I get emergency funding the same day I apply?

We do not promise same-day funding. Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.

What documents do I need in an emergency?

About three months of business bank statements and the five-minute application. No tax returns are required.

Will a recent dip in deposits hurt my chances?

We look at the overall pattern. A short dip tied to a clear cause, such as a claims hold, is part of the picture rather than the whole story.

Can the funds go toward payroll?

Yes. Making payroll during a reimbursement delay is one of the most common emergency uses for home health agencies.

My credit is below 600. Can I still apply?

FICO scores from 500 up are considered. Your deposit history carries significant weight alongside your score.

Payroll bridge $45,000.00
Vehicle replacement $30,000.00
Billing backlog help $25,000.00
Office repairs $27,000.00

Example uses for illustration only.

How to improve your chances

Even in a hurry, these steps help you get a clean, well-sized offer.

  • Total the real cost of the emergency before applying
  • Have recent bank statements downloaded and ready
  • Note the cause of any recent deposit drop
  • Estimate when normal reimbursements will resume

Emergency funding: us vs. a bank

Merchant Fund Express
Traditional bank loans
Speed
As little as 24 hours if qualified
Usually weeks
Paperwork
Bank statements, no tax returns
Tax returns and financials
Credit
FICO 500+ considered
Higher score expected
Credit check
Soft pull to start
Hard inquiry common
Application
About 5 minutes
Lengthy forms and meetings

Cover the gap and keep caring for patients

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

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