Caregivers are paid every week. Reimbursements arrive when they arrive. Compare a revolving line with a lump-sum advance for your agency.
Review My OptionsHome Health Funding
Recurring payroll timing usually fits a line of credit. A new office or caregiver hiring push may fit an advance. We will show you what your deposits support.
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.
A 5-minute application and about three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ is considered. Steady payer deposits count for a lot.
Every offer shows the full repayment amount before you accept. No surprise costs after you sign.
Your schedule is in the offer, so you can plan it around payroll and payer cycles.
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 and home care agencies carry a heavy payroll. Caregivers, aides and nurses get paid on schedule whether or not payer reimbursements or private-pay invoices have cleared. When intake picks up, the gap gets wider, because you add staff hours before the matching payments arrive. A line of credit and a merchant cash advance both address that gap, in different ways.
For most agencies, the recurring problem is timing, and a line of credit fits recurring timing problems. Draw to cover a payroll run while claims are processing, repay when payments post, and keep the limit open for the next cycle. You only carry a balance on what you draw.
See our page on a line of credit for home health agencies.
An advance is a lump sum repaid from a share of your future deposits. For home health, deposits usually arrive by ACH from payers and private clients, and repayment comes from those deposits. Agencies tend to use an advance for specific projects:
Learn more about a merchant cash advance for home health.
Payroll gaps repeat every pay period. A new office does not. That alone answers the question for many agencies.
If your payer mix pays on a fairly consistent cycle, a line can be drawn and repaid in rhythm. If you are expanding and the timeline is uncertain, a defined lump sum can be simpler to plan.
Either way, your offer shows the full repayment amount and the schedule before you accept.
About three months of business bank statements show us your deposit pattern and existing obligations. No tax returns are required, FICO 500+ is considered, and sole proprietors can apply. The application takes about 5 minutes and starts with a soft credit pull. Apply for your agency.
Yes. Covering caregiver payroll during reimbursement delays is one of the most common uses, and a line of credit is often the better fit for it.
No. Repayment comes from a share of your business deposits, which for most agencies arrive by ACH from payers and private-pay clients.
Growth often involves both: recurring payroll gaps and one-time costs like a new office. We look at your deposits and obligations and show you what fits.
Decisions move fast and funding can arrive in as little as 24 hours for qualified businesses.
No. We review business bank statements and a short application about the business, not patient records.
Example uses for illustration only.
These habits make an agency's cash picture easier to read.
One secure application. A soft credit pull to start. No obligation to accept an offer.
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