Bridge the gap between caregiver payroll and slow reimbursements with an advance sized from your agency's deposits.
Get StartedHome Health MCA
Home health agencies carry payroll before the money arrives. An advance based on your deposit history can smooth that timing gap.
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.
Three months of statements and a 5-minute application. Funding in as little as 24 hours for qualified agencies.
FICO 500+ considered. Your deposits do much of the talking.
Your full repayment amount is shown before you accept, with no surprise costs after signing.
How and when repayment is collected is laid out in the offer up front.
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.
Caregivers get paid every week or two. Reimbursements from payers, insurers and private-pay families often arrive on a different clock. That gap is where many agency owners feel the squeeze, especially while onboarding new clients or hiring aides.
A merchant cash advance gives you a lump sum now, repaid from future receipts. It is built around what is already moving through your business account.
We review your deposits to see how revenue flows in and size an advance accordingly. Your offer spells out the full repayment amount and how repayment is collected before you accept. Nothing changes after you sign.
Because the decision is driven by deposits, strong agencies with uneven credit still get a real look. FICO 500+ is considered.
No tax returns are required, and sole proprietors can apply. Funding ranges from $25,000 to $5,000,000.
An MCA works best for an agency with steady deposits and a clear short-term need, like a payroll crunch or a staffing push tied to new referrals. It is less suited to costs you could cover by waiting a couple of weeks. Before accepting, look at the full repayment amount in your offer and compare it with what the money will help you earn or protect.
A few questions worth asking yourself: Will this funding let you accept clients you would otherwise turn away? Does it keep a skilled aide from leaving over a late check? Can your deposits comfortably carry the repayment alongside existing obligations? If the answers are yes, an advance may fit. Our home health qualification guide explains how funders weigh agency files.
Agency owners use an advance to cover payroll while reimbursements catch up, fund recruiting and training for new aides, add a scheduling or EVV software subscription, or open a new service area. For payroll specifics, see home health payroll funding. If you want a reusable source of cash instead, compare a business line of credit for home health or read line of credit vs. MCA.
Ready? Apply here.
We review all business deposits, not just card sales, to understand how money comes in. Your offer explains how repayment is collected.
Decisions move fast, and qualified businesses can be funded in as little as 24 hours.
No. About three months of business bank statements and the application are the starting point.
FICO 500+ is considered. We start with a soft pull, so checking does not affect your score.
Yes. The full repayment amount is shown in your offer before you accept.
Yes. Sole proprietors can apply.
Example uses for illustration only.
Agencies that prepare these items tend to move through review smoothly.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding