Merchant Fund Express
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Fast Funding for Home Health Agencies

Payroll is due and reimbursements are late. Decisions move fast, with funding in as little as 24 hours for qualified agencies.

Apply in 5 Minutes

Fast Home Health Funding

Keep caregivers paid when reimbursements stall

A short application, three months of statements and a soft pull. That is what it takes to get a fast decision on your agency's file.

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.

Fast, without the fine print

Speed with little paperwork

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

Flexible credit review

FICO 500+ considered. Deposits matter more than one number.

Every cost disclosed

See the full repayment amount before you accept. No surprise costs after you sign.

Repayment mapped out

The schedule is laid out in your offer up front so you can plan the next payroll.

Payroll before sales come in?

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.

When payroll is due and the payer is late

Most agency owners searching for same-day funding have the same problem: caregivers need to be paid on Friday and a reimbursement batch has not cleared. Aides who miss a paycheck may not stay, and finding replacements is slow and costly.

We cannot promise money the same day. What we can say is that decisions move fast, and qualified businesses can be funded in as little as 24 hours.

What makes it fast

The fastest files are the ones with statements ready to upload and clear answers about existing obligations.

How to move quickly without rushing a decision

Speed matters, but read your offer. It shows the full repayment amount and the repayment schedule before you accept. Take a few minutes to compare those numbers with your expected deposits over the coming weeks, especially if reimbursements have been slow. A quick decision should still be an informed one.

Which product fits an urgent need

For a single payroll gap, working capital or a merchant cash advance for home health are common choices. If urgent needs keep coming back, a line of credit gives you a reserve for next time. See home health emergency funding for other urgent scenarios.

A quick checklist for urgent requests

When payroll is close, a little preparation saves hours. Before you start, gather:

With those ready, the application takes about five minutes and the review can begin right away. Requests that ask for a realistic amount based on your deposits tend to move most smoothly. If you are unsure what to request, give your best estimate and the review will show what your deposits support.

Who we work with

We work with established agencies that have steady deposits. FICO 500+ is considered and sole proprietors can apply. Funding ranges from $25,000 to $5,000,000. If time is short, apply now and have your last three statements ready.

Frequently Asked Questions

Can my agency get funded today?

We do not promise same-day funding. Decisions move fast, and qualified businesses can be funded in as little as 24 hours.

What slows an application down?

Missing statements, unclear information about existing obligations or deposits split across many accounts. Having three months of statements ready helps.

Does a fast process mean a hard credit check?

No. We start with a soft pull, which does not affect your score.

Will I see the cost before accepting?

Yes. Your offer shows the full repayment amount and repayment schedule before you accept.

Do you need tax returns?

No tax returns are required.

Can a sole proprietor get fast funding?

Sole proprietors can apply. The same review applies: deposits, existing obligations and a soft credit pull to start.

Friday payroll $35,000.00
Late claims gap $50,000.00
Insurance renewal $14,000.00
Van repair $8,000.00

Example uses for illustration only.

How to improve your chances

These steps help your file move as fast as possible.

  • Download your last three bank statements before applying
  • Use one primary business account for deposits
  • Have details on existing obligations at hand
  • Apply early in the week, not the night before payroll

Our speed vs. a typical bank

Merchant Fund Express
Traditional bank loans
Time to fund
As little as 24 hours if qualified
Weeks to months
Application
About 5 minutes
Long forms, meetings
Documents
About 3 months of statements
Tax returns, projections
Credit check
Soft pull to start
Hard pull
Credit
FICO 500+ considered
Usually higher

Get a fast decision for your agency

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

Apply for Funding
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