Home Health and Senior Care Funding, in as Little as 24–48 Hours
$20,000 to $500,000+ for established home health agencies, home care providers and senior care businesses through one 60-second form. One application for our lender network and one dedicated specialist. Home health care business loans and working capital from $20K to $500K+, for agencies waiting on Medicaid, Medicare and private pay.
- Make payroll every week while Medicaid, VA and insurance payments catch up.
- Take on new clients and contracts without waiting on last month’s billing.
- Just 3 months of business bank statements to receive offers.Some states require 4 months.
See What Your Agency Qualifies For
Takes about a minute. No obligation, and applying won’t affect your credit.
From Application to Funding in Four Steps
The same process we have run for more than 10,000 businesses.
Step01Tell us what you need
Loan amount, monthly revenue and how to reach you. About a minute, and a soft inquiry only.
Step02Meet your funding specialist
One person owns your file. They read your statements, ask the right questions and work the lender network on your behalf.
Step03Compare real offers
Term, payment and total cost side by side. No jargon, and nothing is signed until you understand every line.
Step04Get funded
Sign electronically. Most files fund in as little as 24–48 hours of approval.
What Agency Owners Fund with It
Caregivers are paid weekly; payers take weeks. Funding closes that gap so you can keep growing.
- Weekly caregiver payrollStay current while claims and authorizations are in process.
- Hiring and onboardingRecruit, train and credential caregivers ahead of new referrals.
- Expanding service areasOpen a new territory or add private-pay and skilled services.
- Systems and complianceScheduling, EVV, billing software and accreditation costs.
One Application, Every Option That Fits an Agency
Amounts and timing depend on your file. SBA, equipment and receivables financing are also available through the same form.
Working Capital Loan
Short-term capital for payroll, inventory, materials or a slow stretch.
Invoice & Receivables Financing
Advance against invoices that are billed but unpaid, instead of waiting on net-30 to net-90 terms.
Business Line of Credit
Draw for predictable seasonal swings and redraw as you repay.
Business Term Loan
A lump sum with fixed payments for a planned expansion.
Established Businesses Qualify Fastest
Three things decide the menu of offers. None of them is a perfect credit score.
Credit is considered, not decisive. Revenue-based options weigh your deposits more heavily than your score. Lines of credit need 650+.
Florida-Based, Funding Nationwide
A+ rating with the Better Business Bureau. 4.9 out of 5 based on 200+ Trustpilot and Google reviews (as of September 2026).
Speed without the runaround
Pre-approval in hours, not weeks, and funding in as little as 24–48 hours.
One specialist, start to finish
A named person who knows your file, answers the phone and explains every term.
Offers you can compare
Term, payment and total cost side by side, in writing, before you sign.
Repayment that fits
Daily, weekly or monthly repayment matched to how your business actually earns.
Would absolutely recommend Raul to anyone looking to find funding solutions for their company. If it wasn’t for Raul & RAN Funding I would not have been as prepared as I am now to reach my business goals. Thank you!
Home Health Care Business Funding for Growing Agencies
Caregivers are paid every two weeks; payers reimburse in 30 to 90 days. One application reaches a network of funders; decisions in 24–48 hours.
Home Health Care Business Loans
A business term loan gives your agency a lump sum with payments over up to 3 years. Home health care business loans cover licensing and accreditation costs, scheduling software, vehicles and opening a second service area. Your specialist shows the total cost before you sign.
Home Health Care Business Working Capital
Payroll cannot wait for Medicaid to pay. Home health care business working capital, including a line you can draw and reuse, bridges reimbursement delays and covers recruiting, training and supplies. Some products fund the same day you are approved.
Home Care Agency Business Loans
Home care agency business loans and home care agency business funding are sized to your monthly deposits, not collateral. Agencies with a year in business and $20K or more in monthly revenue can see offers from $20K to $500K+ after a soft credit check.
Senior Care Business Loans
Senior care business loans support non-medical companion care, adult day programs and assisted-living support services. Home care business loans from our funder network come with a dedicated specialist who explains each offer in plain terms before you decide.
Home Health Agency Business Financing
Home health agency business financing fits Medicare-certified skilled agencies that carry nurses, therapists and aides on payroll. Home health agency business loans look at revenue and payer mix, so you can grow census without waiting on claims to clear.
Fast Home Health Care Business Loans
When a referral source sends twenty new patients at once, fast home health care business loans put money in your account in as little as 24–48 hours. Home health care business financing on short notice is exactly what the network is built for.
Straight Answers Before You Apply
Can we get funding while waiting on Medicaid or insurance payments?
Yes. Working capital, lines of credit and receivables financing are commonly used to cover weekly payroll while payer reimbursements are in process.
Can we finance against our outstanding claims?
Often, yes. Receivables financing can advance against billed claims and invoices, and your specialist compares it with a working capital loan so you can pick the better fit.
Does private-pay revenue help?
It helps. A mix of private-pay and payer revenue with steady deposits makes the file easier to place.
Can a new agency qualify?
Not through this program. It’s built for agencies with at least one year in business and $20,000+ in monthly revenue.
How fast is home health care business funding?
Home health care business funding decisions typically come back in 24–48 hours, and some products fund the same day. You start with a short application and three months of bank statements; a soft credit check shows your options without affecting your score. Your specialist shows the total cost before you sign.
Can I get home health care business financing with slow Medicaid payments?
Yes. Funders look at your bank deposits and overall revenue, not individual claims, so home health care business financing is commonly used to bridge 30- to 90-day reimbursement cycles. That keeps caregivers paid on time and lets you accept new referrals without hesitation.
What can home care agency business funding be used for?
Home care agency business funding can be used for payroll, recruiting and background checks, training, software, vehicles, marketing to referral sources and expansion into new counties. There are no restrictions beyond keeping funds in the business, and your specialist explains each option.
Is RAN Funding a lender for home health agency business loans?
No. RAN Funding is a broker and ISO. We present one application for home health agency business loans or senior care business loans to a network of funders, and a dedicated specialist brings back offers and walks you through them. BBB A+ rated, 200+ reviews, serving agencies nationwide.
Is RAN Funding a lender?
RAN Funding is a business financing broker, not a lender. One application reaches a network of funders, and a dedicated specialist brings back the offers you qualify for with the rate, term and total cost side by side. Our compensation is disclosed and paid by the funder, and it does not change the terms you are quoted.
Ready When You Are
One minute to see your options. A specialist calls back during business hours, Monday to Friday, 9am to 6pm ET.