Merchant Fund Express
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Revenue-Based Financing for Home Health

Fund hiring, a new service line or a second office with financing sized from your agency's deposits.

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Home Health Revenue-Based Financing

Grow your census on the revenue you already earn

More clients mean more aides, more hours and more revenue. Revenue-based financing uses your current deposits to fund that next step.

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.

How we make it simple

Quick, low-paperwork

A 5-minute application and three months of statements. As little as 24 hours if qualified.

Credit flexibility

FICO 500+ considered. Revenue carries the weight.

Full cost shown

The total repayment amount is in your offer before you accept. No surprise costs after you sign.

Repayment explained

How repayment works is laid out up front, so you can plan around reimbursement cycles.

Need capital this week?

Fast decisions. Applying takes about 5 minutes.

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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.

Funding keyed to the money your agency brings in

Revenue-based financing is sized from your agency's revenue and ties repayment to it. For an agency whose deposits rise as census grows and dip when payers slow down, that connection can feel more natural than a fixed bank payment.

Your offer explains exactly how repayment works, including the full repayment amount, before you accept.

Why agencies consider it

Home health revenue grows with the number of clients you serve and the hours your aides work. Revenue-based financing lets you fund that growth, adding staff, a new service line or a branch, using the revenue you already generate as the basis. It does not require tax returns or a long financial package.

What drives the offer

FactorWhy it matters
Monthly depositsSets the base for sizing
Deposit consistencyShows how predictable revenue is
Existing obligationsAffects what the account can carry
CreditFICO 500+ considered, soft pull first

We review about three months of business bank statements. Sole proprietors can apply.

For illustration

For illustration: an agency has grown steadily over the past year and wants to open a second office in a neighboring county. The owner needs to lease space, hire a coordinator and recruit aides before the new office brings in any revenue. Revenue-based financing sized from the first office's deposits can fund that launch. The final amount would depend on deposits and existing obligations, and everything would be shown in writing before acceptance. The expansion funding page covers more growth scenarios.

Questions to ask yourself first

Revenue-based financing works best when the money funds something that adds revenue or protects it. Will the new staff let you accept more referrals? Will the new office serve clients you are currently turning away? Can your deposits carry repayment alongside existing obligations during a slow payer month? Honest answers help you request the right amount, and they make it much easier to judge whether the offer in front of you is worth taking.

Comparing your options

A merchant cash advance is another revenue-linked option. A business line of credit suits repeated, smaller needs. For vehicles and devices, see equipment financing. Funding ranges from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours. Apply in about five minutes.

Frequently Asked Questions

How does revenue-based financing work for a home health agency?

The funding amount is based on your agency's revenue, and repayment is tied to it. Your offer explains the specifics before you accept.

Do I need tax returns or financial statements?

No tax returns are required. We start with about three months of business bank statements.

What if a payer delays reimbursements?

Uneven deposits are common in home health. We look at your overall pattern across the statements.

Does applying affect my credit?

We begin with a soft pull, which does not affect your score.

How much can I get?

Funding ranges from $25,000 to $5,000,000, depending mainly on deposits and existing obligations.

Can sole proprietors apply?

Yes, sole proprietors can apply.

Second office $90,000.00
New service line $60,000.00
Coordinator hire $25,000.00
Marketing push $18,000.00

Example uses for illustration only.

How to improve your chances

These steps help revenue-based financing reflect your true numbers.

  • Route all reimbursements to one business account
  • Keep balances positive across each month
  • Prepare your last three statements in advance
  • Know the payments on existing obligations

Revenue-based financing vs. a bank loan

Merchant Fund Express
Traditional bank loans
Approval basis
Revenue and deposits
Credit, collateral, history
Documents
About 3 months of statements
Full financial package
Credit
FICO 500+ considered
Usually higher bar
Credit check
Soft pull to start
Hard pull
Speed
As little as 24 hours if qualified
Several weeks

Fund your agency's next stage of growth

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

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