Hospice Care Financing Nationwide for Hospice and Palliative Agencies, $10K to $5M
🕊️ Financing Built for HospiceI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. Hospice care financing funds the moment a bank won’t, buying a Medicare-certified hospice, covering payroll while reimbursements catch up, starting a new agency, or growing your census. Hospice is reimbursement-driven and acquisition-heavy; I match you to lenders who fund the purchase and bridge the cash-flow gap.
Hospice Care Financing for Every Stage
Whether you’re buying a certified hospice, covering payroll between reimbursements, or growing your census, there’s a path built for it. Here’s what hospice care financing commonly covers at every stage.
Hospice Acquisition
Buy a Medicare-certified hospice with census and staff in place. SBA 7(a) is built for this, often with limited money down.
Payroll and Working Capital
Cover clinical and care-team payroll while Medicare and insurance reimbursements catch up, the core cash-flow need in hospice.
AR and Invoice Factoring
Advance cash against Medicare and insurance receivables so payroll never waits on the reimbursement cycle.
Startup and Licensing
Open a new hospice, licensing, Medicare certification, software and working capital to reach your first patients.
Census Growth and Recruiting
Fund recruiting, marketing and the clinical staff you need to grow census and serve more families.
Expansion and New Territories
Add palliative services, open a new service area, or fund a line of credit that flexes with census.
An Operator Bought a Certified Hospice the Bank Wouldn’t Move On
A hospice operator found a Medicare-certified agency to acquire, valuable census and a trained care team in place, but the bank balked at an asset-light business whose value lived in its certification and receivables, and the seller needed to move.
They called me. I structured hospice care financing that paired an SBA 7(a) loan for the acquisition, underwritten on the hospice’s census and cash flow, with a working-capital line to cover payroll from day one. It funded, the operator closed, and stepped into a certified hospice without missing a single payroll cycle.
That’s what the right match looks like for a hospice operator. Don’t Beg the Bank! Get funded instead.
How I Fund Hospice Agencies, the Right Tool for Each Need
Hospice care financing isn’t one product. The right structure depends on whether you’re buying, covering payroll or growing. I match you to the one that fits, tap any to explore it.
SBA 7(a) Loans
The primary vehicle for buying or starting a Medicare-certified hospice, strong terms, often limited money down.
See SBA 7(a)Working Capital Loans
Cover care-team payroll and operations through the Medicare reimbursement cycle.
See working capitalInvoice Factoring
Advance cash against Medicare and insurance receivables so payroll never waits on the claim cycle.
See SBA 504Startup Funding
Launching a new hospice? Honest paths for licensing, certification and your first patients.
See startup fundingWorking Capital
Cover licensing, certification, software and operations before your first patients onboard.
See working capitalLine of Credit
Revolving capital for the ups and downs of running a practice, draw only what you need.
See lines of creditQualifying for Hospice Care Financing
Hospice care financing is different from a generic business loan. Lenders know hospice revenue is largely Medicare-backed and predictable, so an agency with a certified census and solid receivables is a strong borrower even with few hard assets. I qualify deals honestly.
✅ What helps you qualify
- ✔A licensed, Medicare-certified hospice, or a plan to buy or start one.
- ✔Strong personal credit, the foundation for a new dentist with limited history.
- ✔For acquisition: a practice with solid, documented cash flow.
- ✔A down payment or contribution, which a parent or family member can help with.
💡 Straight talk
- →SBA 7(a) is built for hospice acquisitions and startups, often with limited money down.
- →Working capital and factoring underwrite your Medicare receivables, not hard collateral.
- →Credit is flexible, there’s no single hard FICO floor; stronger credit means better terms.
- →A certified census is a real, fundable asset, even though the business is asset-light.
Get Your Hospice Care Financing Options
A quick, no-pressure pre-qualification. I personally review every submission, no call center, no junior rep.
Got it. I’m on it.
Your hospice care financing request landed in my inbox. I personally review every submission and most responses go out within one business hour.
Watch for a call from me, Kevin Kermeen, I call directly, I don’t text.
Recent Hospice Care Financing From My Desk
A snapshot of the hospice care financing I match to lenders nationwide, agency by agency. Every dentist and practice is different, yours starts with a conversation.
Hospice Care Financing · SBA 7(a)
An operator acquired a Medicare-certified hospice with census in place, underwritten on the agency’s cash flow.
Working Capital Line
A growing hospice opened a line of credit to cover care-team payroll through the Medicare reimbursement cycle.
AR Factoring
A hospice used accounts-receivable financing to advance cash against Medicare claims and fund census growth.
How I Match Hospice Care Financing to the Right Lender
Not every lender understands hospice, where value lives in certification and Medicare receivables rather than hard assets, and the ones that do compete hard for good agencies. I work with many, so I match your hospice care financing to the lender that funds your goal, acquisition, working capital, factoring or startup, and I review the options with you before you commit.
Here’s the reality for a hospice. The business is asset-light, its value is the Medicare-certified census and the receivables, and you pay your care team on a schedule while reimbursements arrive on a lag. A traditional bank sees few hard assets and hesitates. Hospice care financing works differently: SBA 7(a) underwrites the agency’s census and cash flow for an acquisition or startup, while working capital and invoice factoring advance cash against your Medicare and insurance receivables so payroll is always covered. The certified census and receivables are the collateral, which is why a strong operator can buy or grow a hospice frequently with limited money down. According to the U.S. Small Business Administration, the 7(a) program supports this kind of business acquisition and expansion.
The right structure depends on what you’re doing. Buying or starting a hospice usually runs through an SBA 7(a) loan, with broader options across the SBA loan programs. The payroll-versus-reimbursement gap is best matched to working capital loans and invoice factoring, where your Medicare receivables do the work. Day-to-day cash flow runs on a business line of credit that flexes with census. Launching a new agency points to startup business funding for licensing and certification, and if you ever need office space a commercial real estate loan can cover it, and vehicles or care equipment can run on equipment financing, though hospice runs lean.
So tell me where your hospice is, buying, fighting the payroll gap, or just launching, and what you need. I’ll tell you honestly which hospice care financing structure fits, match you to the lender most likely to approve it, and stay with you through closing. Other healthcare providers, see my healthcare business loans hub, or compare every option on my loan programs page. Don’t Beg the Bank! Get funded instead.
Sources: U.S. Small Business Administration, 7(a) loan program and 504 loan program.
Straight Answers Before You Apply
What is hospice care financing?
How do I cover payroll while waiting on Medicare?
How do I finance buying a Medicare-certified hospice?
Can I finance a hospice with few hard assets?
How much can I borrow for a hospice?
What does it cost to work with you?
A Broker Who Knows Which Lenders Fund Hospice
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, not a bank and not a lead-selling portal. Hospice lending has its own specialist lenders who understand certified census and Medicare receivables, and matching you to the right one, for an acquisition, working capital, factoring or startup, is the whole point of working with me. I personally review every application, I call you directly, and I never text. For program details, see the SBA’s 7(a) loan program.
Don’t Beg the Bank!
Get Funded Instead.
Banks hand out umbrellas when the sun is shining, not when you’re weathering the storm … and they’ll balk at an asset-light hospice whose value is its census. I match you to hospice care financing built for where you are … buy a certified hospice through SBA, factor your Medicare receivables, cover payroll, grow census, and get a same-day callback from a broker who reviews every deal himself.
Loan amounts, terms, rates and funding speed shown reflect typical lender programs, not guarantees, and vary by lender, creditworthiness, practice performance, collateral and structure. Hospice care financing generally ranges from $10,000 to $5 million depending on the need. Invoice factoring advances and terms vary by your receivables and payer mix. *Practice acquisition and startup are commonly financed through SBA 7(a); SBA loans follow standard SBA timelines and eligibility, and “no two years of history needed” refers to acquisition loans underwritten on the target practice’s cash flow rather than the borrower’s prior business history. Credit is considered along with other factors; there is no single hard minimum FICO simply to apply, but stronger credit supports better rates and terms, and not all applicants are approved. *No upfront fees refers to fees payable to 75BizLoans.com; I am compensated by the lender at closing. Some partner lenders may require a commitment fee or deposit upon your acceptance of their term sheet; any such fee is the lender’s, is disclosed before you commit, and is separate from any compensation to me. Final eligibility, rate, term and structure are determined by the lender. This is not a commitment to lend. Same-day approvals are common when the application reaches me before 9am Arizona Time.