Short answer
Merchant Fund Express funds existing senior care and home care franchise owners with business loans, merchant cash advances, revenue-based financing, lines of credit, equipment financing and working capital from $5,000 to $5,000,000. The usual uses are caregiver payroll while client payments catch up, recruiting and training a bigger caregiver bench, office and scheduling technology, and vehicles for client visits. Funding is sized on the agency's own deposits. A complete file usually gets a decision in 2–4 hours.
Where a care agency needs cash
A home care agency sells hours. Every new client means more caregiver hours on the schedule, and those hours are paid before the matching revenue clears. Growth is the most common reason a healthy agency runs tight.
Caregiver payroll
Weekly or biweekly payroll, overtime and shift differentials. The biggest line on the books, every cycle.
Recruiting and training
Job ads, background checks, onboarding and paid training hours before a new caregiver bills a single shift.
Scheduling and office tech
Scheduling software, phones, tablets for visit verification and a bigger office as the team grows.
Local marketing
Referral outreach and community events that fill the client roster. See franchise marketing funding.
Match the need to the funding
| If you need to… | Fits | Why |
|---|---|---|
| Cover payroll while client payments catch up | Business line of credit | Draw for the gap, repay as deposits land, draw again |
| Hire and train ten caregivers for a new contract | Working capital | One-time ramp cost, repaid from the new hours |
| Add vehicles for client visits or transport | Equipment financing | The vehicle anchors the deal; see Vehicles |
| Smooth uneven months as clients start and stop | Revenue-based financing | Payments move with revenue |
| Fund a bigger push all at once | Franchise business loan | One lump sum for the whole plan |
| Fast cash with card and bank deposits strong | Merchant cash advance | Repaid as a share of deposits |
How a care agency's deposits read
Agency revenue usually arrives as a mix of private-pay card payments, checks and transfers from families, and payments from other organizations the agency works with. A reviewer looks for consistency: steady weekly deposits, a growing client count and payroll that tracks revenue. Lumpy weeks are normal when a large client pays monthly. Write a one-line note on how your clients pay and the file reads faster.
Already carrying an advance? Say so up front. Existing positions are considered, not an automatic decline; see Already have an advance. If the current payment is the problem, MCA refinance is built to lower the payment.
Every brand in this sector
Home care, companion care, skilled support and senior living services all run on the same math: hours worked, hours paid. If you own a senior care franchise of any brand, Merchant Fund Express funds it on the agency's numbers.
Running a brand that is not named here? Put the brand on the application. Merchant Fund Express funds the location on its own deposits, whatever the logo over the door.
How fast it moves
- Apply in about 4 minutesName your brand, the agency you operate, the amount and the use.
- Upload statements and IDThree months of business bank statements for the entity that owns the location, plus photo ID for each owner.
- Decision in 2–4 hoursMerchant Fund Express reads the deposits and current payments and comes back with the structure and the amount.
- FundsSame-day funding is available; funding often lands the next business day. Most files go from application to funds in under 72 hours.
Growing into a second territory? The open agency's deposits carry the request; see Second location.
What to send
No tax returns to apply. 500+ FICO accepted. Sole proprietors are eligible, Spanish-speaking support is available and ITIN applicants are accepted.
Owner questions, answered
Can a home care franchise owner get funding for caregiver payroll?
Yes. Payroll is the most common request from care agencies. A line of credit or working capital covers the gap between paying caregivers and collecting from clients.
How fast can a senior care agency get a decision?
A complete file usually gets a decision from Merchant Fund Express in 2–4 hours, with same-day funding available.
Does my agency need perfect credit?
No. 500+ FICO is accepted. The agency's deposits and time operating lead the review.
Can I fund opening a new senior care franchise?
No. Merchant Fund Express funds operating agencies. A new territory is funded off the agency that is already open.
Are you affiliated with any senior care franchise?
No. Merchant Fund Express is independent and has no ties to any senior care franchisor.
Keep going
Merchant Fund Express is a separate company with no franchisor ties. Terms depend on the business's revenue and history.