Senior Living & Home Health Funding
Bridge Medicare reimbursement gaps and keep your care operations fully staffed.
Funding Amount
$10K – $10M
Funding Speed
Same Day
Credit Check
No Impact
Funding Speed
Same Day
We understand senior living & home health businesses
Senior living communities, assisted living facilities, and home health agencies face a unique cash flow problem: they provide care today but often wait 45–90 days for Medicare, Medicaid, and insurance reimbursements to arrive. Meanwhile, payroll runs weekly, staffing agencies charge daily, and regulatory compliance never stops. New Tide Funding works with senior care operators of all sizes to provide the working capital needed to keep operations running — regardless of where you are in the reimbursement cycle.
Common challenges we solve
- ✗Medicare and Medicaid reimbursements arrive 45–90 days after services rendered
- ✗High staff turnover requiring continuous hiring and onboarding costs
- ✗Regulatory compliance upgrades and inspections requiring capital
- ✗Medical equipment, beds, lifts, and facility maintenance expenses
- ✗Expanding census (bed count) requires upfront staffing before revenue grows
- ✗Seasonal spikes in private-pay move-ins requiring rapid staffing increases
Funding options for senior living & home health businesses
We match you with the products that fit your specific situation.
Revenue-Based Financing
Bridge Medicare/Medicaid reimbursement gaps with same-day working capital.
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💳Line of Credit
Draw on demand for staffing surges, compliance costs, and facility needs.
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⚙️Equipment Financing
Finance patient lifts, hospital beds, mobility equipment, and facility upgrades.
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🏠Business Purpose HELOC
Tap your home equity for business capital — a lower-cost way to fund growth.
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Qualification Requirements
Simple criteria — most senior living & home health businesses qualify.
📅
Time in Business
6+ Months
💰
Monthly Revenue
$20K+
🔒
Credit Check
No Impact
🏦
Bank Statements
4 Months
No credit impact · Takes 2 minutes
Senior Living & Home Health Funding FAQs
Can we qualify even though much of our revenue is from Medicare/Medicaid?▾
Yes. We look at your total bank deposits — including government payer deposits — as evidence of revenue. Medicare and Medicaid reimbursements count toward your qualifying revenue.
We're a home health agency, not a facility. Do we qualify?▾
Absolutely. Home health agencies, private duty nursing companies, and in-home care providers all qualify for our programs. The criteria are the same: 6+ months in operation, consistent deposit history, and an active business bank account.
How fast can we access funds?▾
Most approvals happen the same day you apply. Funds typically wire within 24 hours of signing your agreement — making this ideal for covering payroll when a reimbursement is delayed.
Can I use the capital to hire additional CNAs or home health aides?▾
Yes. Staffing costs are one of the most common uses. Whether you're covering a surge in resident census, replacing staff, or expanding into a new service area, working capital gives you the flexibility to act immediately.