Financing Just for Home Healthcare Operators

Home healthcare operators have unique needs to help them compete in an industry with well known assisted-living competitors. For this reason, ARF Financial has created financing options like our flex pay loans, working capital loans, lines of credit and bridge loans. These home healthcare loan products allow home healthcare operators to serve their markets and remain competitive. Since 2001, ARF Financial has funded over 17,000 loans for independent home healthcare operators who need capital to compete with big box entities. Despite consistent business from an increasingly aging population, capital remains the key to overcoming short-term cash flow shortages to seizing long-term opportunities like adding new ancillary services. Our home healthcare loans and lines of credit can provide you access to the right loan products, and we can do it fast, funding your business loan in as little as 5 days! When it comes to home healthcare financing, our team of professional financial consultants specialize in providing the trusted lending services 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. Confidently approach new opportunities when you have the capital needed to make it happen.

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 in your business:

Get new leasing space

Add ancillary services

Investing in new technology

Purchasing additional inventory

Investing in new marketing initiatives

Buy out a business partner

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.

How to Qualify for Home Healthcare Financing

  • Credit Score – Do you have a credit score of 551 or higher? Then you may qualify for our home healthcare financing! Our local loan consultants can you walk you through the tiers you qualify for and show you all your financing options for your home healthcare agency.
  • Time in Business – Have you been in business for 12 months or longer? While we do focus on existing businesses, 12 months operations is sufficient to determine what financing your home healthcare business qualifies for. We do not finance startup home healthcare businesses.
  • Bank Statements – We do ask for bank statements to determine your cash flow and overall health of your home healthcare company. We do this by reviewing your business checking account.
  • Annual Sales – Do you have annual sales of $100,000 or higher? This is a crucial factor in determining if you qualify and how much home healthcare financing you qualify for.
  • Debt to credit ratio – The ARF Financial home healthcare financing requires an examination of your debt to credit ratio to qualify for our loans and lines of credit. If your home healthcare company is carrying too much debt, we will regularly offer to pay off competitor loans if your business qualifies. Maximum 2 competitors.

If you are a home healthcare owner looking for financing options such as a working capital loan or even a line of credit with guaranteed rates, fixed terms and affordable payments, simply begin your online application today. We have local loan consultants who are knowledgeable about your specific market and will work side by side with you throughout the process. Our online application is free and there are no hard credit pulls so your credit will not be affected.

Types of Home Healthcare Financing

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

Working Capital For Your Home Healthcare Business

Your home healthcare business needs consistent working capital. This has held true for every home healthcare owner we have ever spoken to since 2001. Working capital loans help these businesses finance their every day business operations with no hidden fees and no payment surprises of a merchant cash advance. Our working capital loans help home healthcare companies by having fixed terms so your payments will never fluctuate and the interest is tax deductible so your loan costs even less in the long term.

Home Healthcare Line of Credit

A line of credit is an approved loan extended to home healthcare businesses which allows them to draw upon when the need arises. This type of home healthcare financing allows owners to pull funds from their line of credit as needed and only pay interest on the money they take. Home healthcare owners have 24-hour access to 5 separate loan drafts over a 6 month period. Funds can also be requested online! Home healthcare owners know that business conditions can change quickly. Unexpected issues arise. Windows of opportunity open.  Thousands of home healthcare owners have learned that with a business line of credit from ARF Financial, they are prepared for anything.

Home Healthcare Flex Pay Loans

These are perfect home healthcare loans because they help you borrow now and pay later. Simply put, you can borrow what you need now, renovate your home healthcare offices now and you won’t have to make payments until you are operational again later!  It allows you to defer up to 50% of your loan’s principal into the future for more affordable payments now, and have the flexibility to pay it back when the time is right. This maximizes your cash flow while providing you the capital you need now! 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 now for home healthcare companies. If you are experiencing strong growth but your bank is struggling to keep up with your funding 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 such as an SBA loan. A Bridge Loan is a financial product that functions as a short-term amortizing loan to support projects or investments that are expected to generate returns. Small businesses like home healthcare companies, particularly in their early phases, frequently see the chance for extreme growth, but often 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 Businesses

These loans are notoriously difficult to get approved. And if they are approved, they take three to four months of application process before a final approval is issued and the loan then funded. ARF Financial can you approved for home healthcare financing in 24-48 hours and your loan can fund in 3-5 days. If you are in the process for SBA loans and urgently need to take advantage of a business opportunity, our Bridge Loans are perfect to help you capitalize on growth opportunities while waiting on your SBA approval.

Merchant Cash Advance

ARF Financial is not a cash advance company. We offer real bank loans with low, fixed terms for those who qualify with the only difference being we can fund our loans much faster than a traditional bank. While cash advances help home healthcare owners with quick cash, this alternative form of financing has a different loan structure which is expensive with payments based on the home healthcare company’s daily credit card receipts. This means, if the home healthcare agency’s sales increases then the daily payment to the merchant cash advance company also increases escalating the interest rate while ensuring the cash advance company is paid sooner. Unlike a cash advance, home healthcare financing from ARF Financial allows a business owner to keep the additional profit generated from their hard work!


If you are a home healthcare owner looking for financing for your business, we can help you get a business loan 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. Our home healthcare owners get the financing they need, with manageable payments that won’t increase as revenue grows. Contact our local loan consultants or apply below to get started now.

Home Healthcare Owners can get a
$2,000 Amex Gift Card Reward

New client relationships are important to us and we want to reward you. For a limited time, through our New Client Rewards Program you can receive a free Amex Gift Card up to $2,000* as soon as your loan funds. The more you borrow, the more you are rewarded!  As usual, no collateral is required for any of our business loans. Find out how much you qualify for in 5 easy steps. It’s free and won’t affect your credit.

*Receipt of the 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 to receive a $2,000 gift card.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 30 days or more to qualify. One card per guarantor only. ARF Financial reserves the right to terminate the offer at any time.

Use our Home Healthcare Loan Calculator to Find Out How Much You Qualify For:

Use our Loan Calculator to determine the potential loan amount you may qualify for. Move the sliders below to indicate your business’s annual sales, time in business, your credit score, whether you own a home, and if you’ve declared bankruptcy and the calculator will serve up your potential loan amount based on 12, 18, 24 and 36-month terms!

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

Loan amounts may be increased with the review of tax returns and financials. Time in Business – Must be operating under the same ownership and concept. Homeownership – Home must be in your name. Bankruptcy – Includes personal and business bankruptcy.


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.

Receive an offer and approval for funds in 24 to 48 hours when you apply online!

It’s quick and won’t affect your credit!

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