Funding for Home Health & Home Care Agencies

Anything the agency needs. Owners use Monera funding to make payroll, fund caregiver recruiting and retention, take on census growth, bridge denied or slow-paying claims, finance acquisitions and de novo offices, and pay for EVV, technology, bonding, and insurance. You don't have to choose a product up front, you apply once and we match you to the funding you qualify for.

Funding generally ranges from $10,000 to $500,000. The amount you qualify for depends mostly on your monthly revenue and how long you've been in business, not on a single credit score.

Yes, this is the single most common reason agencies come to us. You pay caregivers weekly or biweekly, but Medicare, Medicaid, managed-care plans, and insurers can take 30 to 90 days to pay, and Medicaid's own prompt-pay rule allows up to 90 days to pay 99 percent of clean claims. Working capital or AR factoring bridges that gap so payroll is never at the mercy of a payer's timeline.

Yes. Medical AR factoring advances the cash tied up in your billed claims, turning a 30 to 90 day receivable into cash now. It isn't new debt, it's your earned revenue, sooner. It works best for claims that are already billed and complete. For the costs that come before billing, like payroll, recruiting, or a de novo office, working capital is usually the better fit.

No. We don't file or collect your claims, and we don't manage your revenue cycle. We provide the working capital so you can make payroll and keep operating while your own billing process, or your billing partner, collects from the payers. Our funding sits alongside your billing, it doesn't replace it.

For working capital, no. It's funding to your business that you repay on agreed terms, and you keep your payer relationships and your payment flow. If you decide to factor specific billed claims, we'll walk you through exactly how it's set up before anything changes, so there are no surprises.

Yes. Caregiver turnover is the biggest operational drain in this industry, and retention costs money now, sign-on bonuses, raises, and recruiting all hit before the new revenue does. Working capital lets you compete for staff without waiting on a slow reimbursement cycle.

Yes. Buying a book of business, buying into a partnership, or launching a de novo office all move faster than a bank or SBA process, and they often need capital before the first claim is ever paid. We can move quickly and provide working capital for day-one payroll and the licensing and payer-enrollment ramp.

Yes. We fund skilled, Medicare and Medicaid certified home health as well as private-duty, non-medical home care. The payer mix and the timing differ, government claims, managed-care plans, VA, private-pay families, and long-term-care insurance, but the core problem, payroll due before the money arrives, is the same.

No. Checking what you qualify for uses a soft credit pull that won't affect your score, and there's no obligation to move forward.

Approval typically comes within 4 to 8 hours, with funds following shortly after. That speed is the main reason owners choose us over a bank or an SBA loan, where the same request can take 30 to 90 days, far too slow when payroll is due before a claim clears.

All credit profiles are considered. Most agencies we fund have been operating for at least 6 months and generate $10,000 or more in monthly revenue. Your revenue and day-to-day performance matter more than a perfect credit score.