Working capital for home healthcare.
You pay caregivers every week while insurers and Medicare take far longer to reimburse. For home healthcare agencies nationwide.
We know how home health agencies really run.
Financing built around your industry's real cash-flow rhythm — not a one-size-fits-all bank box.
How each option works
The programs our lending partners actually offer businesses like yours. Not sure which one? Check your options and we'll match the structure to the deal.
Working Capital Loan
Money for payroll, stock, and the slow months.
See terms & details →Business Line of Credit
Draw what you need, when you need it.
See terms & details →SBA 7(a) Loan
The most flexible SBA loan there is.
See terms & details →Business Term Loan
One lump sum. Fixed payments. A payoff date you can circle.
See terms & details →Want the full picture first? Get a free Capital Position Report — where your business stands and what it likely qualifies for.
The pressure points we solve
The cash-flow squeezes we hear about most — and the fair fix for each.
The squeezePayroll is due before you get paid.
The fair fixPredictable payments bridge the gap until reimbursements arrive.
The squeezeGrowing your caseload strains cash.
The fair fixFast funding to hire and onboard caregivers quickly.
The squeezeBanks won't move at your speed.
The fair fixDecisions in 24 to 48 hours with far less paperwork.
What operators use it for
Put the capital where it moves the needle most.
Caregiver payroll
Recruiting and onboarding
Vehicles and fleet
Portable medical equipment
Scheduling software
Office expansion
Related industries
Businesses with a similar cash-flow rhythm, and the financing we see them use.
Tools and guides for home healthcare
Run the numbers
Compare side by side
Guides & related financing
From our insights
What it takes to qualify
Most operators here start with business capital — but if you're financing property or equipment, that path qualifies differently.
Business Capital
- Operating at least a few months under current ownership
- Roughly $17,000+ per month in business revenue
- Personal credit around 575+ on most programs
- Not over-extended on existing cash advances
- Bank statements usually enough to start — no tax returns to check options
Real Estate & Assets
- Credit generally 620+ (equipment) to 640+ (rental property)
- Equity or down payment — typically up to ~75% loan-to-value
- The property's income covers the payment (DSCR programs)
- No tax returns required on most DSCR programs
- Entity docs, insurance, and a purchase contract or payoff statement
Guidelines are typical ranges across our lender network, not a commitment to lend — every deal is reviewed individually.
Ready to fund your home health agency?
Two minutes, no obligation, no credit impact. Or call (337) 270-2036.
