Key Takeaways
- Licensed home health parolee businesses qualify
- Medicaid and Medicare revenue qualifies as bankable income
- Working capital for the 30-60 day government reimbursement gap
- Caregiver payroll bridge between government payment cycles
- No green card required — state home health license required
Ukrainian nurses and Haitian caregivers on parole on humanitarian parole are building successful US senior care and home health businesses — generating real revenue that traditional banks ignore because of their visa status. Bankable evaluates your business on what matters: monthly revenue, operating history, and business fundamentals.
Government-Backed Revenue: The Senior Care Advantage
Home health and personal care businesses that serve Medicaid and Medicare patients receive government-backed revenue with near-certain payment probability. For Bankable's underwriting, Medicaid and Medicare receivables are among the most creditworthy revenue streams possible — far more reliable than commercial accounts receivable. Ukrainian nurses and Haitian certified nursing assistants (CNAs) with US licensure are building senior care businesses that generate $30,000-$200,000/month in stable government-backed revenue.
Funding Products
- Medicaid Receivables Financing: Advance against outstanding Medicaid home health claims at 85-90% advance rate.
- Caregiver Payroll Bridge: Caregivers are paid weekly. Medicaid pays net-30 to net-60. Working capital bridges this gap.
- Agency Equipment: Medical monitoring devices, wheelchair ramps, and assistive technology for client homes financed as business equipment.
- Home Health Acquisition: Buy an existing licensed home health agency with established patient census.
Equipment Financing
Finance the physical assets your business needs with the equipment as collateral.
Explore →Frequently Asked Questions
Yes. Ukrainian nurse or Haitian caregiver-parolee humanitarian parolees with valid EADs and US senior care revenue that exceeds $20K/month qualify for Bankable's funding products. We do not require green card or permanent residency.
Valid EAD, parole documentation, 3 months of US business bank statements, business EIN, and a voided business check. No tax returns required for amounts under $250K.
Working capital advances are decided within 48 hours. Equipment financing decisions typically take 48-72 hours. Funds wire within 2-3 business days of approval.
We prefer 620+ for working capital and 640+ for equipment financing, but we evaluate the full picture — revenue strength, time in business, and industry risk can compensate for lower scores.
Revenue-based working capital requires no collateral beyond a general business lien. Equipment financing uses the financed equipment as collateral. Larger term loans may require personal guarantee.
Qualifying businesses can access up to $5M. Most early-stage businesses qualify for $25K-$500K based on revenue. Businesses doing $100K+/month can access larger facilities.
Bankable structures funding terms to your remaining authorization period. Parole renewals are typically straightforward for CHNV and Ukrainian U4U programs. See our guide on parole expiry and business funding.
Yes, as long as the majority (51%+) ownership is the parolee with EAD. Mixed-status business partnerships are acceptable. Each partner's immigration status is reviewed but majority ownership by a parole holder qualifies.