Keep your care team together through lower census periods and referral dips. 5-minute application, bank statements only.
See My OptionsHome Health Slow-Season Funding
Rehiring costs more than keeping a good team. We review your deposits and can fund qualified agencies in as little 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.
Apply in about 5 minutes with roughly three months of statements. No tax returns.
FICO 500+ is considered, with your deposit history weighed alongside it.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The schedule is in your offer, so you can plan around the months when census recovers.
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.
Demand for home care never disappears, but census rises and falls. Referrals from hospitals and physicians can slow around the holidays. Some clients spend part of the year with family or in another state. A large referral source changes its discharge patterns, or a contract with a managed care plan winds down, and the hours it brought in disappear. Weather can play a role as well, with storms or extreme heat leading to cancelled visits. When visit hours drop, so do deposits, but your office staff, scheduling software, insurance and core caregiver team still need to be paid.
Cutting caregivers during a dip can save money for a few weeks, then cost far more when referrals pick back up and you have no one to send. Recruiting, screening, training and onboarding new aides takes time and money. Many agencies use slow-season funding specifically to keep a trained team together.
To weigh the two most common choices, see line of credit vs. merchant cash advance for home health.
Our application takes about 5 minutes and starts with a soft credit pull. We ask for roughly three months of business bank statements and no tax returns. FICO scores from 500 are considered and sole proprietors can apply. If your recent months reflect a dip, mention the reason so we see the full context. Qualified businesses can be funded in as little as 24 hours. Your offer shows the full repayment amount and schedule before you accept. For more on planning ahead, read our home health cash flow guide, or apply now.
Yes. We review your deposit pattern and existing obligations. Explaining the reason for the dip helps us understand your agency.
Caregiver and office payroll, rent, insurance, software subscriptions and marketing to referral sources are common uses.
Some agencies do. Reaching out to hospitals, physicians and discharge planners during a quiet stretch can help rebuild census faster.
Funding ranges from $25,000 to $5,000,000, depending mainly on your deposits and existing obligations.
Request only what the quiet stretch truly needs, and review the schedule in your offer against the visit hours you expect when referrals recover. Agencies that size funding to a realistic plan, rather than the largest amount available, usually find repayment far easier to carry once deposits rise again.
No. We rely on about three months of business bank statements.
Example uses for illustration only.
These habits help agencies ride out lower census.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding