Key Takeaways
- Senior care contract revenue drives Bankable approval — no green card required
- Fund caregiver hiring, vehicles, and working capital for OPT senior care founders
- Home health agencies, assisted living operators, and senior placement services qualify
- 48-hour decisions for senior care businesses with $15K+ monthly revenue
The US has 56 million adults over 65, growing to 88 million by 2050. This demographic wave is creating massive demand for non-medical home care, home health services, and senior placement services. Public health, gerontology, and social work graduates on F-1 OPT are launching senior care businesses that serve this underserved and growing market.
Senior Care Business Capital Uses
- Caregiver hiring and background check costs
- Company vehicles for in-home care service routes
- Caregiver scheduling and visit management software
- Working capital between care service delivery and Medicaid/Medicare reimbursement
- Home health agency licensing and accreditation costs
Frequently Asked Questions
Yes. Since March 2026, SBA loans require 100% US citizen or national ownership. Bankable is non-SBA — F-1 OPT founders qualify based entirely on business revenue.
No. Bankable funds US-registered business entities based on revenue. Immigration status is not evaluated.
Your business entity continues operating and servicing funding. The loan is with the business, not the individual.
Yes. Non-medical home care companies, home health agencies, and senior placement businesses can be owned by F-1 OPT founders through properly structured business entities.
$15,000+ in monthly care service revenue with 4+ months of operating history.
Yes. Medicaid and Medicare reimbursements deposited into the business bank account qualify as documented revenue.
Non-medical home care, skilled home health, adult day programs, senior placement agencies, and memory care support services all qualify.
Yes. State licensing, Medicare certification, and accreditation costs are approved uses of Bankable working capital for senior care businesses.