Home Health Care Agency Funding — Payroll & Reimbursement-Gap Capital

Home health care funding solves the defining cash-flow problem of the industry: you pay caregivers weekly, but Medicaid, Medicare, and insurance reimburse 30 to 90 days later — and the faster your agency grows, the wider that payroll gap becomes. A profitable, growing agency can still run short of cash purely on timing. Y Millennial Funding provides revenue-based capital structured as a merchant cash advance — not a loan — for home health and home-care agencies, skilled-nursing and therapy-at-home providers, and personal-care and private-duty agencies doing $25,000 or more in monthly revenue. We are a direct funder, not a broker, and we underwrite on your bank deposits and revenue patterns rather than credit score or hard collateral. Agencies use this capital to cover caregiver payroll while waiting on reimbursement, fund recruiting and onboarding, expand offices and locations, invest in EVV and technology, and support census growth. Because remittance is a percentage of revenue, it flexes with how reimbursements actually arrive, and approval is fast enough to keep payroll funded through a growth surge. A merchant cash advance is the purchase of future receivables, not a loan. Not all applicants qualify, and approval depends on revenue patterns, deposit consistency, time in business, and other factors.