Home Care Financial Services

Home Care Agencies

CFO-Level Financial Clarity for Home Care Agencies.

Visit-based revenue, caregiver labor and a mix of Medicaid, Medicare and private-pay clients make home care finance hard to see clearly. We turn your billing, payroll and payor data into a weekly cash plan and a clear picture of margin by service line.

Weekly

Cash plan built from your own data

$3,500+

Per month, fixed fee, no long-term contract

10 days

To a 13-week forecast with the diagnostic

The Challenge

Where home care margins quietly erode

These are the patterns we look for first.

Revenue that lags the work

Visits are delivered today and paid weeks later, and payor timing differs by contract. Cash can be tight even when the schedule is full.

Caregiver labor drift

Overtime, travel time and unfilled hours move margin quickly, and it rarely shows up in a monthly P&L until it is too late to act.

Payor mix you cannot see

Medicaid, Medicare and private-pay clients carry very different margins. Without a view by payor, growth can shrink profit.

Billing and denial leakage

Authorizations that lapse, claims that are rejected and underpayments that are never challenged all leak revenue.

Weak reporting for lenders

Banks and buyers ask for clean, consistent numbers. Scrambling for them slows refinancing and sale discussions.

No time to build the model

Owners run operations all day. A finance function that sits between bookkeeping and a full-time CFO is often missing.

What We Do

Finance leadership built for visit-based care

Weekly cash plan

A rolling 13-week forecast tied to billing cycles, payroll dates and payor payment timing.

Margin by service line and payor

See which programs and contracts earn their keep, and which ones need repricing or a different approach.

Labor and utilization tracking

Caregiver hours, overtime and scheduling efficiency, tracked against benchmarks you can act on.

Lender- and buyer-ready reporting

Consistent monthly reporting and a clean story for refinancing, expansion or a sale.

How To Start

A clear path, with a free first step

1
Take the free Margin Leak Scan

Ten questions, about two minutes, and a scored view of where your agency is most likely losing margin.

2
Book a 30-minute call

We talk through your results and decide whether a diagnostic makes sense. No pressure and no obligation.

3
Cash & Census Diagnostic, $2,500

A 13-week cash forecast, KPI benchmark and your top 5 margin leaks in 10 business days, credited toward your first month if you begin a plan within 30 days.

4
Ongoing AI CFO plan

Essentials, Growth or Board, priced by revenue size. Accounting and tax planning are included, month-to-month.

Buying or Selling an Agency?

Get deal-ready first

Fixed-scope sprints help sellers present clean numbers and help buyers look under the hood before they commit.

Explore Deal Advisory →

See Where Your Agency Stands

Start with the free scan, or book a 30-minute call and we will walk through your numbers together.