Cash Advance & Funding for Home Healthcare Businesses

Home healthcare businesses may be eligible for several funding options through Franklin Financing Services, including medical working capital loans, cash advances, revenue-based financing, business term loans, accounts receivable financing, and SBA loan programs. The right fit often depends on revenue history, repayment preferences, timing, use of proceeds, and whether the agency needs quick cash flow support or longer-term capital.

Certain programs are designed for speed. The Easy Pay Cash Advance can provide approvals in 48 hours and funding in under 7 days. Business term loans may be funded in as little as 3 days, with the FAST TRACK program offering decisions in 24–48 hours for qualifying amounts. SBA loans generally require more documentation and a longer review.

Yes, some programs are built for businesses that have faced poor credit, late payments, or previous bank turndowns. Franklin Financing Services works beyond traditional bank-only lending by using relationships with national lenders and alternative funding structures. Approval still depends on program criteria, such as revenue, time in business, processing history, and ability to repay.

The Easy Pay Cash Advance provides up to $150,000 for business use, based on average monthly credit card receipts. Approved businesses may receive 80% to 120% of their average monthly processing volume. Repayment is typically 15% to 20% of future credit card receipts, allowing payments to adjust as receipts rise or fall.

Documentation depends on the program. Easy Pay Cash Advance options may not require financials, tax returns, or asset documentation. FAST TRACK term loans can often begin with an application and the last four months of bank statements. Revenue-based financing usually requires monthly financial statements, revenue by customer, a debt schedule, and projections if available.

Repayment structure varies by financing type. Term loans typically use fixed repayment terms, while revenue-based financing collects a pre-established percentage of monthly cash receipts, commonly 3% to 9%. Easy Pay Cash Advance repayment is tied to future credit card receipts. Flexible structures can help agencies manage uneven cash flow more smoothly than traditional fixed payments.

Yes. Funding can be used to support practical operating needs such as caregiver payroll, recruiting, scheduling software, medical supplies, transportation costs, insurance premiums, marketing, or expansion into new referral channels. Working capital can be especially useful when a home healthcare business is growing but cash flow is strained by reimbursement timing or rising operating costs.

SBA loans may be a strong fit for established home healthcare businesses seeking larger amounts, longer terms, and structured financing without points or balloon payments. SBA 7(a) loans can range from $150,000 to $5 million, subject to eligibility and underwriting. They may support working capital when tied to expansion, equipment, acquisition, or other approved business purposes.