404-454-8613
404-454-8613
Financing for Homecare Businesses
Since 2001, ARF Financial has worked closely with home care and healthcare business owners to help them access the funding they need to grow and operate with confidence. With more than a billion dollars in approvals, we understand the financial challenges unique to home healthcare providers. That is why our loan programs and repayment options are built specifically for this industry, giving you fast access to capital without putting pressure on your margins. Even with steady demand driven by an aging population, home care agencies often face cash flow gaps, unexpected expenses, or growth opportunities that require immediate funding. Our home healthcare loans and lines of credit are designed to help you cover payroll, expand services, invest in equipment, or scale your operations quickly. With funding available in less than a week and guidance from experienced loan consultants, we help keep your business profitable, stable, and positioned for long-term success.
Move into a larger homecare Facility
Upgrade care equipment and technology
Hire and train healthcare staff
Renovate your healthcare office space
Expand your homecare services
Invest in healthcare marketing
What Makes ARF Financial Different?
For over two decades, ARF Financial has provided dependable financing for homecare and healthcare businesses. We offer structured healthcare business loans, not merchant cash advances, with no requirement for business plans, credit card receipts, or receivables. By focusing on long-term relationships, we help homecare and healthcare providers protect their financial health while securing the capital they need to grow with confidence.
Explore the advantages of our healthcare loan programs:
Access loan amounts from $5,000 to $1,000,000
Ability to defer up to 50% of loan principal for lowest payment
24-hour access to 5 loan drafts over a 6-month period
Same-day approvals and fundings in under a week
Streamlined process with minimal documentation
​Minimal Paperwork
All loans come with an optional line of credit
Fixed repayment terms up to 36 months
The interest paid is tax deductible
Early payoff options are available
Size Matters!
Bigger Loan Amounts. Longer Terms. Real Business Impact.
When it comes to business financing, size makes a real difference. Large projects need meaningful capital, not short term merchant cash advances. If you are planning real growth, you need financing built to support it.
Borrow up to $1,500,000 with terms up to 36 months to fund major projects with predictable costs. Our average loan size is more than six times larger, with repayment terms over three times longer than a typical merchant cash advance. Larger loans help you invest in real growth, while longer terms keep payments manageable and protect your cash flow.
See how we compare below.
ARF FINANCIAL BUSINESS LOAN
An ARF Financial Business Loan is designed for businesses planning real growth. You receive a fixed loan amount with clear terms and predictable monthly payments. Funding can be used for expansion, equipment, hiring, or major projects, with loan amounts up to $1,500,000 and longer repayment periods. This structure helps keep payments manageable and protects your cash flow over time. It is ideal for businesses that want stability, transparency, and room to scale.
Select an ARF Financial Business Loan if you are investing in long term growth and larger opportunities.
MERCHANT CASH ADVANCE
A Merchant Cash Advance provides fast access to working capital based on your future sales. Instead of fixed monthly payments, repayment is made through a percentage of your daily or weekly revenue. This option can be useful for short term needs such as covering immediate expenses or handling temporary cash gaps. Loan amounts are typically smaller, with shorter repayment terms, which can result in higher overall costs. This solution works best for businesses that need quick funding and expect fast returns. Choose a Merchant Cash Advance if speed is your priority and your financing needs are short term.
*Completing an application only takes ten minutes and won’t affect your credit.
The Difference is Insight
One of the major challenges of homecare and healthcare businesses is staying competitive against big-box operators who are always prepared. ARF Financial helps homecare and healthcare providers access fast, flexible funding with loans and lines of credit from $5K to $500K. Our healthcare line of credit lets you borrow only what you need, keeping your homecare business ready for any opportunity or challenge.
Success Favors the Prepared
Additional Healthcare Services
Homecare and healthcare operators face high costs, like hiring registered nurses at competitive salaries. Traditional bank loans are slow and costly.
ARF Financial’s Flex Pay Loan lets you borrow now, grow immediately, and pay later. Defer up to 50 percent of principal with fixed rates and transparent terms, keeping your homecare business ready for any opportunity.
Types of Home Healthcare Financing
ARF Financial helps homecare and healthcare business owners find financing that fits their needs. With multiple loan and line of credit options, our local consultants guide you to the best choice for your situation while helping your homecare business save money.
Home Healthcare Working Capital
Homecare and healthcare providers need steady working capital. Our loans finance daily operations with fixed terms, no hidden fees, and predictable payments—unlike merchant cash advances. Interest is tax deductible, making your homecare business loan more affordable over time.
Funding your Home Healthcare Business with a Bridge Loan
Opportunities are plentiful in the homecare and healthcare market. If growth outpaces your bank, ARF Financial’s Bridge Loans provide short-term funding to move forward while securing traditional financing. Ideal for early-stage homecare businesses, these loans help cover financial gaps
​Home Healthcare Line of Credit
A line of credit gives homecare and healthcare owners funds as needed. You pay interest only on what you take. With 24-hour access and multiple draws, your business can cover unexpected costs and fund growth. Thousands of homecare businesses rely on ARF Financial to stay prepared.
​SBA Loans for Home Healthcare
Traditional loans can take months to approve, delaying business opportunities. ARF Financial can approve homecare and healthcare Bridge Loans in 24-48 hours, with funds in your account in as little as 3 days. If you are awaiting an SBA loan, a Bridge Loan helps you act fast and seize opportunities.
Flex Pay Loans for Home Healthcare
Flex Pay Loans help homecare and healthcare providers borrow now and pay later. Defer up to 50% of the principal for low payments today. After the Flex Pay period, you can repay, amortize, roll over, or refinance the deferred principal, giving your homecare business flexibility and control.
​Merchant Cash Advance
ARF Financial is not a cash advance company. Our loans for homecare and healthcare businesses have fixed terms up to 36 months, competitive rates, and no long waits. Unlike merchant cash advances, our financing offers predictable payments so your business keeps the additional profit from growth.
Are you a homecare or healthcare business owner looking for fast financing? ARF Financial offers funds with minimal paperwork, fixed rates, and tax-deductible interest. Payments stay manageable and predictable as revenue grows. Contact a local loan consultant or apply below to get started.