Funding for Home Health Care in All 50 States
Fast, flexible capital for home health and home care agencies in All 50 States. Up to $2,000,000, decisions in 24 hours, and no collateral.
See What You Qualify For →Capital built for home health care
Home care agencies pay caregivers before Medicaid and insurance reimburse. We fund agencies for payroll, hiring, and growth while you wait on slow reimbursements.
How home health care agency funding actually works
Home health is a payroll-first business with a reimbursement lag bolted on. Caregivers and nurses are paid weekly or biweekly, while Medicaid, Medicare Advantage, LTC insurance, and managed-care payors reimburse in 30, 60, sometimes 90 days. Growing your census means hiring and onboarding well before the first reimbursement cycle catches up. Agency funding bridges exactly that.
Two structures built for agencies
Payroll / working-capital funding. A revenue-based advance that covers caregiver payroll through a census ramp or a slow reimbursement month, repaid as claims pay.
Receivables funding. Advance against clean claims already submitted, turning next quarter's reimbursements into this week's operating cash.
What agency owners use it for
Caregiver payroll, recruiting and credentialing, licensing and accreditation costs, scheduling and EVV software, patient-acquisition marketing, and opening new service counties. From $10,000 to $2,000,000 based on monthly revenue.
Why agencies skip the bank
Banks discount receivables they do not understand; we underwrite your census and reimbursement flow. No collateral, bad credit considered, a decision in about 24 hours, funds in 24–72. Most agencies qualify with 3+ months operating and roughly $10,000+ in monthly revenue — recent business bank statements start the file.
Why owners choose ShopFunders
Decisions in 24 hours
Apply in 2 minutes and get a real answer fast — no waiting weeks on a bank.
No collateral required
Unsecured funding based on your revenue and business health, not your assets.
Built for your industry
Structures that fit how home health and home care agencies actually earn and spend.
Home Health Care funding across the country
We fund home health and home care agencies nationwide.
Frequently asked questions
How do home health care agencies get funding?
Agencies are funded against monthly revenue and submitted claims rather than collateral. Most qualify for $10,000 to $2,000,000 with 3+ months operating and about $10,000+ in monthly revenue — recent business bank statements are all we need to start.
What is home care payroll funding?
It is working capital that covers caregiver payroll while Medicaid, Medicare Advantage, and insurance payors reimburse in 30 to 90 days. You repay as claims pay, so growing your census never outruns your cash.
Can an agency with bad credit qualify?
Yes. Underwriting is based on your census and reimbursement flow, not your credit score — bad credit is considered, no collateral is required, and decisions come in about 24 hours.
How much funding can I get?
Most businesses access $10,000 to $2,000,000, based mainly on monthly revenue and business performance.
How fast can I get funded?
Approvals can come in as little as 24 hours, with funds typically deposited within 24–72 hours of accepting your offer.
Will applying hurt my credit?
No — applying requires no credit check. We focus on your business revenue and don't pull credit until you review and sign terms.
Do I need collateral?
No. Our funding is unsecured and based on the health of your business, not your assets.
Ready to fund your home health care business?
Join the owners who chose speed and a partner that says yes. Get your estimate in 2 minutes.
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