Industry Financing
Home Healthcare & Home Care Financing
Working capital, acquisition loans, and expansion financing for home health agencies, non-medical home care, and skilled nursing support businesses.
Check Your Eligibility →Funding Amount
$25K – $5M
Typical Terms
1–25 years
Rates Starting At
6%
What We Finance
Home healthcare is one of the fastest-growing sectors in the U.S. economy due to aging demographics. Medicaid/Medicare reimbursement delays create consistent working capital needs, and acquisition financing for agencies is in high demand.
- •Working capital for payroll during Medicaid/Medicare reimbursement cycles
- •Practice acquisition loans for buying an existing home health agency
- •SBA 7(a) for certified home health agency startups and expansions
- •Invoice factoring on Medicare/Medicaid receivables
- •Vehicle and equipment financing for mobile care operations
- •Expansion capital for geographic territory growth
Business Types We Work With
- ✓Medicare-certified home health agencies (HHAs)
- ✓Non-medical personal care and companion care
- ✓Adult day care centers
- ✓Private duty nursing
- ✓Home infusion therapy
- ✓Hospice and palliative care agencies
Why Lenders Approve This Industry
Government reimbursement programs (Medicare/Medicaid) provide reliable, documented revenue. An aging U.S. population makes this sector recession-proof. Agencies with certifications and clean audit histories qualify for SBA and bank programs.
Typical Qualification Requirements
- ✓Home health or home care license (state-specific)
- ✓6+ months billing history
- ✓$15,000+ monthly revenue or receivables
- ✓620+ credit score
- ✓Medicare/Medicaid provider number for highest-value programs
Requirements vary by program and lender. Many businesses that were declined elsewhere qualify through our network.