Financing for Home Healthcare Businesses

Since 2001, ARF Financial has helped thousands of home healthcare business owners obtain approvals on more than a billion dollars. To accomplish this, we developed innovative loan products and repayment options specifically designed for the needs of those in the home healthcare industry. Our loans ensure they have quick access to the funds necessary to compete with the larger, well-known assisted-living facilities without sacrificing profits.

Despite consistent business from an increasingly aging population, capital remains the key to overcoming short-term cash flow shortages, paying for unexpected expenses, or seizing long-term opportunities like adding new ancillary services. Our home healthcare loans and lines of credit give you access to the right financing, and we can do it fast, funding your business loan in less than a week! When it comes to home healthcare financing, our team of seasoned loan consultants specialize in delivering the trusted guidance you need to keep your business profitable and on track to achieve your long-term goals.

At ARF, our focus is to get you the working capital you need when you need it, all while providing seasoned guidance to help you maximize your return on investment. We’re devoted to sticking by your side for the long haul, ensuring you can capitalize on new business opportunities as they develop. Here are some valuable options to put our home healthcare financing to work for your business.:

Move to a nicer, more spacious office facility

Renovate or remodel your current office facility

Invest in new equipment and technology

Expand your service offerings to attract more business

Hire and train additional administrative or healthcare staff

Invest in a new advertising and marketing campaign

What Makes ARF Financial Different?

For more than two decades, ARF Financial has been helping businesses obtain the capital they deserve! The financing we provide are loans are not merchant cash advances. We do not require business plans, credit card receipts nor any receivables to secure your loan or line of credit. Our emphasis on close client relationships keeps your financial health at the forefront to ensure a high degree of customer satisfaction.

Here are just a few of our loan program advantages:

Access loan amounts from $5,000 to $1,000,000

No collateral requirements on loans up to $750,000

Fixed repayment terms up to 36 months

Same-day approvals and fundings in under a week

Streamlined process with minimal documentation

Ability to defer up to 50% of loan principal for lowest payment

All loans come with an optional line of credit

24-hour access to 5 loan drafts over a 6-month period

The interest paid is tax deductible

Early payoff options are available

When choosing the right business lender, it’s important to compare loan size and repayment terms because…

Size Matters!

Larger Loan Amounts, Longer Terms & Big Rewards

Choosing ARF Financial means you can now borrow up to $1,000,000 with terms up to 36 months to fund your big projects while keeping your costs low. Our average loan amount is over six times larger and repayment terms are more than three times longer than a Merchant Cash Advance. Larger loan amounts mean you can invest in growth opportunities that will make a significant impact to your bottom line, and longer terms mean your payments are manageable and won’t interfere with your cash flow! Check out the comparison below.:

*Completing an application only takes 10 minutes and won’t affect your credit.

The Difference is Insight

It Pays To Be Prepared

Home healthcare operators know their big box competitors are prepared for any eventuality so they too need need fast access to working capital as new opportunities and/or issues arise. ARF Financial will help you be ready for the unexpected  with our loans or line of credit from $5K to $500K to use for any business situation. With a line of credit, you only pay for what you use and it is tax deductible so you can comfortably borrow what you need exactly when you need it.

Ancillary Services

Home healthcare operators know their customers need a range of services, some of which are more expensive than others. For example, hiring registered nurses who can offer more specialized care means matching salaries from some of the biggest names in the healthcare industry. These include well funded hospitals, universities and research institutions. Home healthcare operators know how long a traditional bank can take to process a business loan. And the cost of that loan makes it prohibitive to keep up with much needed service expansions. Our Flex Pay Loan allows you to borrow now, grow now, and pay later! Flex pay allows you to defer up to 50% of your principal into the future for the lowest payments now! And, all our loans come with fixed rates, transparent terms, and no need for collateral. With ARF Financial, you’ll be able to capitalize on growth opportunities now and pay back your loan when you’re ready.

Minimum Qualifications

Industry Type

ARF Financial works with a wide variety of industry types. Click here to see the full list of qualifying businesses.

Time in Business

Your business must be open and operating under the same ownership structure for at least 1 month (30 days).

Sales Volume

Your business’s sales volume is a factor in calculating loan amount. Our minimum annual sales requirement is $200,000.

Credit Score

Even with less than perfect credit, we can get you approved for a working capital loan.  A minimum credit score of only 551 is required.

How to Apply for a Working Capital Loan

If you are a business owner looking for a working capital loan with guaranteed rates, fixed terms and affordable payments, simply complete our online application today. There are 4 pre-qualification questions, 5 easy steps, and there is no hard credit pull so your credit will not be affected. Click here to get started. We also employ seasoned loan consultants who live and work in your area, who are knowledgeable about your specific market and will work side-by-side with you throughout the process

Borrow $100,000 or more and receive a $1,000 Amex Gift Card!

For a limited time, we’re going big and rewarding our clients with a $1,000 gift card. Merchants borrowing a minimum of $100,000 within 30 days of their completed application will receive a $1,000 Amex Gift Card!*

*Receipt of the $1,000 Amex Gift Card is conditional based upon the following: Merchant’s approval under ARF Financial’s standard underwriting models and policies, merchant’s acceptance of an approved loan amount, rate and term; and, merchant borrowing a minimum of $100,000 within 30 days of merchant’s completed application. Promotion is only valid on loans with terms of 39 weeks or longer, and interest-only loans are excluded. This offer is not guaranteed unless application is made by merchant, merchant borrows in accordance with the guidelines provided herein. Merchants with active loans are excluded. Former merchants must be paid off 90 days or more to qualify. One card per guarantor only. ARF Financial reserves the right to terminate the offer at any time. Offer expires October 31st, 2022.

Types of Home Healthcare Financing

ARF Financial gives home healthcare business owners the opportunity to choose from many different financing options that best fit their needs based on their unique circumstances. With many different types of business loans and lines of credit, our local loan consultants will help you determine which will be best for your specific situation while saving you the most money.

Home Healthcare Working Capital

Home healthcare providers need access to consistent working capital. This has held true for every owner we have ever spoken to. Working capital loans help finance the every day business operations with no hidden fees and without the payment fluctuations of a merchant cash advance. Our working capital loans fave fixed terms so the payments will never fluctuate and the interest is tax deductible so your loan costs even less in the long run.

Home Healthcare Line of Credit

A line of credit is an approved loan amount extended to home healthcare owners allowing them to draw upon when the need arises. This type of financing gives owners the ability to pull funds from their line as needed and only pay interest on the money they take. Home healthcare business owners have 24-hour access to 5 separate loan drafts over a 6 month period. Funds can also be requested online! Smart owners know that business conditions can change quickly and having fast access to committed working capital can cover unexpected expenses and fund growth opportunities as they emerge. Thousands of home health business owners have learned that with a line of credit from ARF Financial, they are prepared for anything.

Flex Pay Loans for Home Healthcare

Flex Pay Loans are perfect for home healthcare providers because they give you the unique ability to borrow now and pay later. Simply put, you can borrow what you need now to invest in new opportunities, and defer up 50% of the principal for the lowest payments now. You’ll enjoy the low payments until your project is completed! After the Flex Pay period is over, you have options for paying back the principal when the time is right. Further repayment flexibility allows you to amortize the deferred principal over time, roll it into the future, or simply refinance it.

Funding your Home Healthcare Business with a Bridge Loan

Opportunities are plentiful right the home healthcare market. If you are experiencing strong growth but your bank is struggling to keep up with your cash needs, we have a solution. ARF has a loan product that provides ‘bridge’ or ‘gap’ financing so you can proceed with your growth plans while you work with your bank to secure traditional funding sources like an SBA loan. A Bridge Loan is a financial product that functions as a short-term amortizing bridge loan to support projects or investments that are expected to generate high returns. Home healthcare businesses particularly in their early phases, frequently encounter opportunities for extreme growth, but often find themselves on the other side of a financial hurdle. Bridge Loans are an ideal financial solution to open the door to new opportunities.

SBA Loans for Home Healthcare

These loans are sometimes difficult to get approved. And if they are approved, they take three to four months before a final approval is issued and the loan is funded. ARF Financial can get you approved for financing in 24-48 hours with loan proceeds in your business account in as little as 3 days. If you are in the process of applying for an SBA loan and urgently need to take advantage of a business opportunity, our Bride Loan is the best option to help you capitalize on opportunities while waiting on your SBA loan.

Merchant Cash Advance

ARF Financial is not a cash advance company. The financing we provide is a true bank loan with competitive rates, fixed terms up to 36 months and without the long wait. While a merchant cash advance may provide quick access to cash, it has no fixed term and repayment is often linked to your credit card sales which means payments are always fluctuating. A merchant cash advance can be extremely expensive if your sales are increasing. The higher your sales, the higher your payment and the faster the advance is paid back. Unlike a cash advance, an unsecured loan from ARF Financial has fixed terms and predictable payments that allow you to keep the additional profit generated from your hard work!

If you are a home healthcare business owner looking for the right financing, we can help you get funds fast, without collateral and with limited paperwork. That means the interest is tax deductible, rates are fixed, and you know the terms ahead of time. You’ll get the financing you need, with manageable payments that won’t increase as revenue grows. Contact one of our local loan consultants or apply below to get started now.

Use our Home Healthcare Loan Calculator to Calculate Loan Amount:

Use the sliders below to indicate annual sales, time in business and credit score.

Annual Sales
Time in Business
FICO Score
Please select an option
Please select an option
Term Loan Amount
12 month
18 month
24 month
36 month

Larger loan amounts may be available with the review of tax returns and financials. Time in business – must be operating under the same ownership and concept. Home-ownership – home must be in your name. Bankruptcy – includes personal and business. The use of this Loan Calculator tool is intended for illustrative purposes only and is not based upon any  information about the user and does not represent a specific loan offer or terms that may be accepted by the user.  A specific loan proposal can only be provided after completion of an application.  Please provide the requested contact information  if you wish to be contacted by one of our loan consultants to receive a written quote.

Terms & Conditions

ARF Financial LLC is an exclusive third party originator and servicer of commercial loans for state charted community banks throughout the United States (“Partner Banks”), (collectively herein referred to as “Lender”). This Preliminary Loan Amount is based upon pre-underwriting standards consistent with Lender’s guidelines. This Preliminary Loan Amount is based upon the information provided by the Merchant in the Loan Calculator. This approval is contingent upon the accuracy and truthfulness of the information provided by the Merchant therein and on any additional information discovered by Lender during the Underwriting process including but not limited to the review of all financial information provided by the Merchant, the personal credit of any guarantor and/or any information available from the public domain relating to the business’ or the guarantor’s outstanding liens and judgments, collection issues, history of fraud, bankruptcy, or criminal activity; the status of the Merchant’s business entity with the State where they are located; or any other information that may reflect on the business or guarantor’s ability to repay this loan. The terms of this Preliminary Loan Amount may change based upon the review of all information noted above. The terms of this Preliminary Loan Amount (noted above or if modified during the Underwriting process) are not deemed approved until the Merchant agrees to and executes all necessary Loan documents and the Loan documents are countersigned and approved by an Officer of Lender. If Merchant executed no Universal Merchant Credit Application then this Preliminary Loan Amount is for discussion purposes only.

Quick & Easy Online Application

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Use our online application to get approved for funds in 24 to 48 hours! There are 5 easy steps, It only takes 10 minutes and won’t affect your credit.

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