Merchant Fund Express
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Expansion Funding for Home Health Agencies

Add a branch, a county or a service line without draining operating cash. Apply in five minutes with bank statements, no tax returns.

Fund My Growth

Home Health Growth Capital

Hire, lease and launch before the new census arrives

New territories take months to ramp. We fund the runway based on the deposits your current agency already produces.

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.

Growth capital that respects your time

Fast decisions, short document list

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

Room for imperfect credit

FICO 500+ considered. We put real weight on how steady your deposits are.

Full cost shown before you agree

The total repayment amount is in your offer up front. No surprise costs appear after signing.

Repayment laid out in advance

Your offer spells out the schedule, so you can map it against your expansion timeline.

Ready to see your numbers?

Fast decisions. Applying takes about 5 minutes.

Apply Now

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.

Growth costs money before it brings money

Opening a second branch, covering a new county, or adding therapy services all require spending ahead of revenue. You recruit and orient clinicians, lease space, buy laptops and point-of-care devices, and market to referral sources, then wait for new patients to come on service and for those claims to pay.

Expansion funding for home health covers that runway so the growth plan does not stall halfway through.

What a typical expansion budget includes

Write each line down with a realistic cost. A clear budget helps you ask for the right amount and keeps you from borrowing more than the plan needs.

How we review an expanding agency

We look at about three months of business bank statements to see how steady your current deposits are. An agency with a consistent payer mix and a clean account is in a better position to take on growth than one already stretched. Tax returns are not required, FICO 500 and above is considered, and sole proprietors can apply.

Applying takes about five minutes and starts with a soft credit pull. Funding ranges from $25,000 to $5,000,000, sized mostly by deposits and current obligations.

Choosing a structure for the build-out

A lump sum of working capital suits a defined project like opening one branch. If you are hiring in waves, a line of credit lets you draw as each cohort starts. For vehicles or clinical devices, equipment financing ties the funding to the asset.

Your offer will show the full repayment amount and schedule before you accept. Compare that against the revenue the new territory should bring, and when it fits, apply here.

Frequently Asked Questions

Can I use expansion funding to hire clinicians before patients start?

Yes. Covering recruiting and orientation payroll ahead of new admissions is one of the most common reasons agencies seek expansion capital.

Does my agency need to be a certain size?

We work with established businesses that have steady deposits. There is no stated revenue minimum; the amount offered follows your deposit history.

What if my credit took a hit during a slow year?

FICO scores from 500 up are considered, and your recent bank activity weighs heavily. A lower score does not end the conversation.

How long does the review take?

The application is about five minutes. Decisions move quickly and funding can arrive in as little as 24 hours for qualified businesses.

Can I combine products for a larger expansion?

Some owners pair working capital for hiring with equipment financing for vehicles or devices. We can walk through what fits your plan once we see your statements.

New branch lease $60,000.00
Clinician hiring $95,000.00
Field tablets $32,000.00
Referral outreach $27,500.00

Example uses for illustration only.

How to improve your chances

Agencies that prepare these items tend to get cleaner, better-sized offers.

  • Write a line-item budget for the expansion
  • Keep three months of clean, overdraft-free statements
  • Know your current obligations and payment dates
  • Have a hiring timeline for the new territory

Expansion capital: us vs. a traditional bank

Merchant Fund Express
Traditional bank loans
Documents
Bank statements, no tax returns
Tax returns plus business plan
Credit floor
FICO 500+ considered
Higher scores usually needed
Timeline
As little as 24 hours if qualified
Weeks to months
Range
$25,000 to $5,000,000
Varies, often collateral-bound
Initial pull
Soft credit pull
Hard inquiry typical

Take your agency into the next territory

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

Apply for Funding
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