NON-MEDICAL HOME CARE AGENCIES • LINE OF CREDITNon-medical home care agency financing — keep every shift covered
Loot offers non-medical home care agencies an unsecured business line of credit from $5,000 to $100,000. Use it to cover caregiver payroll, recruiting and training costs, or give your agency the room to add caregivers or expand into a new service area without draining the cash needed for everything else. Established home care agencies with 1+ year in business and $200K+ in annual revenue can check their options with a soft pull. Requests up to $30K get an instant decision, while larger requests may take a few more minutes.
No collateral
No hidden fees 
Same-day funding for $49
Non-medical home care challenges: payroll, recruiting and billing lag
Running a non-medical home care agency means paying caregivers for every shift they work, recruiting and training new hires to keep up with client demand, and covering mileage and scheduling costs — all while private-pay invoices and long-term care insurance claims can take weeks to be paid. Caregiver payroll doesn't pause just because a client's payment is running behind; the gap between a shift worked and an invoice paid can put real pressure on an agency's cash flow.
Cover caregiver payroll on schedule, even when client billing is delayed- Fund recruiting, background checks and training for new caregivers
- Expand into a new service area or take on more clients without a cash crunch
Where a non-medical home care line of credit does the heavy lifting
Six moments when non-medical home care cash flow needs backup — and how a Loot line of credit can help.
Cover caregiver payroll while client billing is delayed
Caregivers still need to be paid for every shift they work, even when a private-pay invoice or long-term care insurance claim is still processing. A line of credit can help cover payroll without pulling cash away from recruiting or scheduling.
Fund recruiting, background checks and training
Bringing on new caregivers means covering the cost of recruiting, background checks and onboarding training before they're generating billable hours. A line of credit can help an agency staff up ahead of demand without waiting on cash to catch up.
Cover mileage, scheduling software and overhead costs
Mileage reimbursement, scheduling software and coordinator payroll are ongoing costs that don't pause when client payments run behind. A line of credit can help keep operations running smoothly between billing cycles.
Expand into a new service area
Growing into a new territory can mean hiring caregivers and covering overhead before the client base in that area is fully built out. A line of credit can help an agency expand without draining the cash needed to run its existing routes.
Bridge long-term care insurance and private-pay billing gaps
Long-term care insurance claims and private-pay invoices don't always clear on the same schedule caregivers expect to be paid. A line of credit can help bridge that gap so payroll stays on time regardless of when a client's payment lands.
Handle seasonal demand swings and last-minute shift coverage
Client needs can spike around holidays, hospital discharges or family travel, requiring fast caregiver coverage. A line of credit can help an agency staff up for a surge in demand without waiting on cash reserves to catch up.
How a non-medical home care line of credit helps
A business line of credit for non-medical home care agencies provides flexible capital for payroll, recruiting and scheduling. Draw loot when needed, repay as client billing clears, and keep every shift covered.
Loot for payroll
Draw capital instantly to keep caregiver payroll on schedule.
No hidden costs
Only pay for what you use — no extra fees eating into your margins.
Fits any agency size
From a single-office agency to a multi-territory operation, the line flexes with your needs.
Trusted by non-medical home care agencies
Built by operators who understand caregiver payroll timing, recruiting costs and client billing lag. Transparent pricing, no hidden costs.
Speed that beats a billing delay
From application to funding, Loot provides home care agencies with capital faster than a private-pay invoice or claim gets settled.
Flexible like a caregiver schedule
Use a little or a lot. Repay as client billing clears. Scale limits as the agency grows.
How a Loot line of credit works for a non-medical home care agency
Say your agency needs $18,000 to cover caregiver payroll, recruiting costs for three new hires, and mileage reimbursements while a batch of private-pay invoices is still outstanding. With Loot, you can draw $18,000 from your approved line.
Before you confirm, you choose a fixed weekly repayment plan upfront, such as 16, 20, or 24 weeks. You see the total cost before you move forward.
If client payments land sooner than expected and you pay the draw off early, there is no prepayment penalty. Paying off early can save up to 50% of remaining fees.
As you repay, your line revolves — the funds become available again as you pay down the draw. Same-day approval is standard, decisions happen in minutes, and once approved, same-day funding is available for a $49 transfer fee.
Requirements for non-medical home care agency financing
To qualify with Loot, your home care agency needs:
1+ years
$200k+
None
Checking eligibility is a soft pull, so it does not impact your credit score, approved or not. Loot looks at real business cash flow, not just a credit score.
Non-medical home care line of credit vs. term loan vs. business credit card
| Features | Business Line of Credit | Term Loan* | Business Credit Card |
|---|---|---|---|
| How you access funds | Draw from an approved credit line when your home care agency needs funds | Receive one lump sum upfront | Use the card for purchases up to the credit limit |
| What you pay for | Only the amount you draw | The full loan amount* | Purchases made on the card |
| Repayment | Each draw has a fixed daily, weekly, bi-weekly, or monthly repayment plan chosen upfront | Usually fixed payments over a set term* | Minimum monthly payments, with added fees if a balance carries |
| Revolves? | Yes, the line revolves as you repay | No, it is a one-time loan* | Yes, available credit renews as you pay |
| Best for | Caregiver payroll, recruiting costs, billing lag, seasonal surges, expansion | Larger one-time purchases like a new office build-out | Smaller purchases, subscriptions, or everyday expenses |
A term loan* can fit one large purchase. A business credit card can fit smaller daily expenses. A business line of credit can fit repeat non-medical home care needs, like caregiver payroll, recruiting costs, billing lag, and expansion.
What non-medical home care agencies can use a line of credit for
- Caregiver payroll for every shift worked
- Recruiting, background checks and onboarding
- Caregiver training and certification costs
- Mileage reimbursement and scheduling software
- Coordinator and office staff payroll
- Billing gaps between shifts worked and client payment
- New service area or territory expansion
- Hiring, expansion, or seasonal staffing surges
Draw funds when the agency needs them. Repay on the weekly plan you choose upfront. Keep your treasure chest available as you repay.
Financing for personal care and companion care agencies
Financing for personal care and companion care agencies can help owners manage caregiver payroll and recruiting costs. Private-pay invoices and long-term care insurance claims can take weeks to clear even after a shift is worked. A line of credit can help cover payroll while cash catches up.
Financing for homemaker and respite care agencies
Financing for homemaker and respite care agencies can help cover the cost of staffing up for short-notice respite coverage. A line of credit can help an agency say yes to a new client without waiting on cash reserves to build up first.
Financing for franchise home care agencies
Financing for franchise home care agencies can help cover royalty payments, caregiver payroll and territory expansion costs. A line of credit can help a franchisee keep cash flowing while client billing catches up.
Financing for multi-territory home care operations
Financing for multi-territory home care operations can help cover payroll and recruiting costs across multiple service areas at once. A line of credit can help keep every territory staffed while client payments land on different schedules.
Financing for home care agency recruiting and staffing
Financing for home care agency recruiting and staffing can help cover the cost of background checks, onboarding and training for new caregivers. A line of credit can help an agency staff up ahead of demand without waiting on cash to catch up.
Financing for home care agency growth and expansion
Financing for home care agency growth and expansion can help cover the cost of entering a new service area or territory. With Loot, you can draw for the expense, see the total repayment before confirming, and pay it down early if client billing clears sooner.
Don't take our word for it. Take theirs.
Loot funds small businesses across the US, and in our category we score in the top 5% of lenders for credibility, customer service, and user experience.
I will only use Loot
“I will only use Loot in the future for any financial needs my business might have and saying goodbye to everyone else!”
Non-medical home care financing FAQs
Yes. Non-medical home care agencies can apply for a Loot business line of credit if they have 1+ year in business and $200K+ in annual revenue. Loot offers $5,000 to $100,000 with no collateral required.
Loot has no minimum FICO score requirement. Underwriting looks at real business cash flow, not just a credit score. Your agency still needs 1+ year in business and $200K+ in annual revenue to qualify.
Home care agencies can get a decision in minutes, and same-day approval is standard. Requests up to $30K get an instant decision, while larger requests may take a few more minutes.
Yes. Once approved, same-day funding is available for a $49 transfer fee. Transfer timing may depend on bank processing times and applicable cut-offs.
No. Checking eligibility with Loot is a soft pull. It does not impact your credit score, approved or not. You can review your options before deciding whether to draw from the line.
Yes. Non-medical home care agencies can use a Loot line of credit to cover caregiver payroll for shifts already worked, even while client billing is still processing. You choose a fixed weekly repayment plan upfront before confirming the draw.
Yes. Non-medical home care agencies can use a Loot line of credit for recruiting, background checks, onboarding and training for new caregivers. You see the total cost before confirming and only pay when you draw.
Yes. A line of credit can help cover caregiver payroll and overhead while private-pay invoices or long-term care insurance claims are still processing, so an agency doesn't have to wait on a client or insurer to keep operating smoothly.
Apply for non-medical home care agency financing today
Whether you need to keep caregiver payroll covered or want more room to recruit, train and expand into a new service area, a business line of credit can give your agency working capital without draining the cash needed for everything else.
Get $5,000 to $100,000. Apply in under five minutes with a soft pull that won't affect your credit score. If approved, draw what you need, see the total cost before confirming, and keep your treasure chest available as you repay.
No collateralNo hidden fees Same-day funding for $49