Merchant Fund Express
(305) 384-8391Apply

Inventory Funding for Home Health Agencies

Keep PPE, wound care and patient supplies stocked while claims are still in process. Five-minute application, soft pull to start.

See My Options

Home Health Supply Funding

Stock the supply closet before census climbs

Supply bills arrive before reimbursements do. We size funding from your bank deposits so you can buy in bulk and repay from the visits those supplies support.

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.

Built around how agencies buy supplies

Quick turnaround, light paperwork

About three months of bank statements and a five-minute application. Funding in as little as 24 hours for qualified agencies.

Credit is one factor, not the only one

FICO 500 and up is considered. Your deposit history from payers carries real weight in the review.

The total cost is on the page

Your offer lists the full repayment amount before you accept. Nothing gets added after you sign.

A schedule you can plan around

The repayment schedule is spelled out in your offer, so you know what leaves the account and when.

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.

Why supply stock gets tight in home health

A home health agency does not run a storefront, but it still carries inventory. Gloves, gowns, wound care kits, catheter supplies, thermometers, blood pressure cuffs, and the small mobility aids that go out to patients all have to be on the shelf before the visit happens. When census climbs, supply use climbs with it, and the bill for that stock lands weeks before the related claims are paid.

That timing gap is where inventory funding for home health earns its keep. You buy what the caseload needs now and repay from the deposits those visits eventually produce.

How we look at a supply purchase

We start with about three months of business bank statements. Steady payer deposits tell us more about your agency than a tax return would, and we do not ask for tax returns. The application takes about five minutes and begins with a soft credit pull, so checking your options does not put a hard inquiry on your file.

FICO scores from 500 up are considered. Sole proprietors can apply too, which matters for the many owner-operated agencies that never set up a separate entity.

Matching the product to the purchase

Buying smarter with the funds

Bulk pricing from a medical distributor often beats ad hoc orders, but only if you can pay up front. Before you apply, list the items you burn through fastest, what a case discount would save, and how many weeks of stock you actually want on hand. Overbuying ties up money in boxes that expire on a closet shelf.

Every offer shows the full repayment amount before you accept, so you can weigh that total against what the bulk discount saves. When the math works, start your application.

Frequently Asked Questions

What counts as inventory for a home health agency?

Clinical and patient supplies you buy before visits happen: PPE, wound care, incontinence products, diagnostic tools, and small durable items. If it gets used on patient visits and you pay for it ahead of reimbursement, it belongs in the plan.

How much supply funding can my agency get?

Funding ranges from $25,000 to $5,000,000. Where you land depends mainly on your monthly deposits and any obligations you already carry.

Do you need my payer contracts or tax returns?

No tax returns are required. We work from about three months of business bank statements, which show the deposit pattern from your payers.

How fast can supplies be paid for?

Funding can arrive in as little as 24 hours for qualified businesses, so a large distributor order does not have to wait for a claims cycle.

Will applying hurt my credit?

We start with a soft credit pull. Reviewing your options does not register as a hard inquiry at that stage.

PPE bulk order $28,000.00
Wound care stock $42,000.00
Mobility aids $35,000.00
Diagnostic kits $26,500.00

Example uses for illustration only.

How to improve your chances

A few habits make a supply funding request stronger and easier to size.

  • Keep payer deposits flowing into one business account
  • Track monthly supply spend per active patient
  • Get written bulk quotes from your distributor
  • Avoid overdrafts in the months before you apply

Supply funding with us vs. a bank loan

Merchant Fund Express
Traditional bank loans
Paperwork
About 3 months of bank statements
Tax returns, financials, projections
Credit
FICO 500+ considered
Usually strong credit expected
Speed
As little as 24 hours if qualified
Often several weeks
First credit check
Soft pull to start
Hard inquiry is common
Sole proprietors
Can apply
Often steered elsewhere

Order the supplies your caseload needs

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

Apply for Funding
Apply NowCall