We're all accustomed to asset-based lending. When you buy a car; the lender has a lien on your car until your loan is paid in full. The same applies to a mortgage when you buy a home.

The world of commercial lending is very similar since funding sources love assets in which to secure their loans (at least in part). The challenge we have in Home Health and Hospice is that typically there are not sufficient assets to secure any loans.  Our people are our business. They are the asset which are deployed in the local community to build the business.

It, therefore, takes the right creativity and the right sources to obtain reasonable funding options if you own a Home Health or Hospice agency. Reasonable in the sense that many non-asset sources including many merchant banks charge very high interest and fees.

Please let us know if we may help you meet your Debt Capital needs.