Funding for Home Health & Home Care Agencies

Cover payroll before Medicaid and insurance pay you. $10K–$5M, approved on your bank deposits, funded in as little as 24 hours.

The gap between "care delivered" and "cash received"

If you run a home health or home care agency, you already know the problem: your caregivers work this week, but Medicaid, Medicare, or the insurance payer doesn't reimburse for 30, 60, sometimes 90 days. Your aides and nurses need to be paid on Friday regardless. That timing gap is the single biggest reason profitable agencies run short on cash.

Quick Biz Capital funds that gap. We look at the deposits moving through your business bank account, not your credit score, so a reimbursement-heavy agency with thin margins on paper can still qualify. Funding is $10,000 to $5,000,000, and in many cases the money lands in as little as 24 hours.

A real dollar example

Say you're running biweekly payroll of $42,000 for a roster of 30 caregivers, and you have $180,000 in submitted Medicaid and private-pay claims sitting in the 45-to-60-day reimbursement window. You don't have a revenue problem — you have a timing problem.

You could pull $60,000 in working capital to cover the next two or three payroll cycles while those claims clear. Approval is based on the deposits already flowing into your account from prior reimbursements, so the same cash flow that creates the gap is what qualifies you to bridge it. When your claims pay out, you're back ahead — and your caregivers never missed a check.

What agencies use the funding for

• Making payroll on time while Medicaid and insurance reimbursements are still in the pipeline
• Onboarding and training new caregivers to accept more clients or a new referral contract
• Covering the ramp-up period when you win a larger authorization or a new payer
• Buying supplies, PPE, scheduling and EVV software, or vehicles for mobile staff
• Bridging cash flow during slow reimbursement stretches or payer processing delays
• Opening a second location or expanding into a new county or service line

How it works

• Apply online — it takes a few minutes and checking your options is a soft pull that won't hurt your credit.
• Send a few months of business bank statements so we can see your deposit history.
• Get a decision fast, based on your cash flow rather than your credit score.
• Review a clear offer, sign, and receive funds — often in as little as 24 hours.

Our honest speed rule: if your statements are in and your agreement is signed before early afternoon Eastern on a weekday, same-day funding is on the table. Sign on a Friday and you're typically looking at Monday.

Straight answers

Do I qualify if my credit isn't great?

Likely yes. We approve on the deposits in your bank account, not your credit score. FICO 500+ is generally fine, and there's no collateral required for working capital.

How much can a home care agency get?

Anywhere from $10,000 to $5,000,000. The amount is driven by your monthly deposits and reimbursement volume, not a rigid formula tied to credit.

How fast can I actually get funded?

Often within 24 hours. If your bank statements are in and your offer is signed before early afternoon ET on a weekday, same-day funding is possible. Friday signings usually fund Monday.

Will applying hurt my credit?

No. Checking your eligibility is a soft pull, so you can see where you stand without any impact on your score.

Can I use this while I'm waiting on Medicaid or insurance to pay?

That's exactly what it's built for. The funding bridges the gap between delivering care and getting reimbursed, so payroll and operations keep running while claims clear.

Is there a minimum?

Yes — the minimum is $10,000.