Key Takeaways
- O-1 senior care operators qualify on client census and care revenue
- Staff expansion, facility upgrade, and marketing all funded
- SBA barred for O-1 holders since March 2026
- Senior care census revenue is predictable and verifiable
- 48-hour decisions, no green card required
Senior care businesses — home care agencies, assisted living facilities, adult day programs, and memory care centers — generate predictable revenue from client census data and Medicaid/private-pay billing. O-1 holders in senior care have typically demonstrated extraordinary expertise in gerontology, senior care administration, or healthcare innovation. Bankable funds O-1 senior care businesses on census and care billing revenue — not immigration status. Check your Bankability Score.
What Senior Care Funding Covers
- Caregiver recruitment and payroll: Staffing to meet care demand and census growth
- Facility improvements: Safety upgrades, accessibility modifications, renovation
- Marketing and census development: Lead generation, hospital liaison programs, referral sources
- Medicaid billing bridge: Working capital while reimbursement processes
- Technology: EVV (electronic visit verification), EMR, scheduling software
- Licensing and accreditation: State HCBS license renewal, CHAP or ACHC accreditation
Home Care Revenue Documentation
Home care agencies are evaluated using billing software reports (Alayacare, MatrixCare, ClearCare) alongside bank statements. Key metrics: average weekly census hours, billing rate, and collection rate. A home care agency with 2,000 weekly care hours at $22/hour generates $44,000/week — roughly $190,000/month — an excellent qualifying profile.
Medicaid Waiver and Private Pay Mix
Senior care businesses with a diversified payer mix — combining Medicaid waiver, VA programs, and private pay — present the strongest funding profiles. Private pay is evaluated at face value; Medicaid waiver revenue is evaluated net of state payment cycles. Bankable advances capital against the combined receivables base.
Frequently Asked Questions
Yes. Bankable funds O-1 senior care businesses on census and billing revenue. No green card required.
Yes. Medicaid waiver and state program revenue counts toward monthly revenue.
$20,000/month in senior care billing with 6 months of history.
Yes. Caregiver staffing payroll is a primary working capital use.
48 hours from complete application.
Yes. All SBA programs require 100% citizen/national ownership since March 2026.
Yes. Working capital to bridge Medicaid payment delays is a primary use case.
Up to $2M based on monthly census revenue.
Yes. ADA compliance and safety modifications are valid uses.
Yes. VA community care program revenue counts toward monthly revenue.