Stop Gambling With Payroll Every Two Weeks.
Payers pay in 30–120+ days. Your team needs payroll in 14. End the 'payroll screw ups' and sleepless nights. Get competing approvals in ~3 business days.
The Real Cost of the Cash-Flow Gap
It's not 'bad business'—it's a timing mismatch. Slow reimbursements create predictable, painful friction points.
The Agony of Delayed Collections
Typical A/R cycles are ~45–60 days. Anything over 90 days is a red flag signaling a critical process breakdown.
The Frustration of Denial Friction
Initial claim denials are common. The appeals process adds another 30–90+ days of delays and administrative burden.
The Crushing Weight of Owner Stress
The bi-weekly payroll panic leads to sleepless nights and decision fatigue, distracting you from patient care and growth.
Payer Variability
Managed Care and state Medicaid programs can be even slower, with lags of 60–120 days in some markets.
Your Path to Payroll Peace of Mind
We've streamlined the entire process to get you from panic to funded, fast.
15-Min Payroll Relief Strategy Call
A brief, introductory call to see if we can help and confirm we're a good fit to work together.
Upload Essentials (No PHI)
You securely upload high-level documents like A/R aging reports and billing summaries.
Competing Approvals in ~3 Business Days
We run a confidential brief to our vetted lender network and secure 2-3 competing term sheets for you.
You Pick The Best Terms
You compare and choose the best offer. We then rebate 100% of any lender commissions directly back to you.
Close & Fund
Move to closing. Once you're ready, initial funding can be available in as little as three weeks. Payroll panic solved.
Aligned, Compliant, and Built for Healthcare
Our model is fundamentally different because we work for you, not the lenders.
No Conflict of Interest
Traditional financing has a conflict of interest; advisors are paid by the lender. We work ONLY for you. Our model aligns our success with yours, not an investor's.
No Predatory Terms
We have a strict "No MCA" and "No Confession of Judgment" policy. We only partner with reputable lenders who understand healthcare finance.
Medicare/Medicaid Compliant
Our partner lenders use compliant lockbox and UCC filing structures that respect anti-assignment rules, keeping you safe and secure.
What's Included in the Plan
Done-For-You Capital Accelerator
We handle the entire process of sourcing, vetting, and negotiating with lenders so you can focus on running your agency.
100% Transparent Commission Rebate
We rebate every penny of lender-paid commissions back to you. This ensures our advice is unbiased and you get the best possible deal.
1-Hour Application
Our streamlined data collection process means you can complete your entire application in about an hour, not days.
No Predatory Lenders Guarantee
You get access to our exclusive, pre-vetted network of healthcare-focused financial partners who understand your business.
Fast-Action Bonuses (Available Immediately Upon Beta Acceptance)
To ensure your long-term financial health, we include these valuable resources the moment you're accepted into the program.
Deal or Disaster Dashboard
$4,500 Value
A powerful calculator to instantly model the ROI of your funding options and estimate potential tax savings from interest payments. Disclaimer: This is a tool for decision support only; we are not accountants and this does not constitute financial advice.
Score Restore Blueprint
$1,997 Value
Receive our simple, step-by-step toolkit to help you restore your personal credit score on your own. Avoid expensive credit repair agencies and take control of your financial profile.
Cash-Flow to Grow Accelerator
$2,997 Value
This resource distills growth strategies from legendary CEOs and private equity firms into actionable insights tailored for home healthcare agencies. Unlock ideas you can implement immediately to scale.
Total Bonus Value: $9,494
You Have Two Paths Forward
Path 1: Do Nothing
The Status Quo
- ✕Continue the bi-weekly payroll panic cycle.
- ✕Turn down growth opportunities due to unreliable cash flow.
- ✕Risk losing your best staff to competitors with stable payroll.
- ✕Remain distracted by funding issues instead of patient care.
Path 2: Take Control
The Payroll Panic Prevention Plan™
- ✓Secure competing approvals for ongoing capital in ~3 business days.
- ✓Pay your team on time, every time, boosting morale and retention.
- ✓Confidently pursue growth, knowing your cash flow is stable.
- ✓Regain your focus and peace of mind.
Who This Is For
You're a good fit for this plan if:
- You own a Home Health Agency billing $200k+ monthly to Medicare, Medicaid, and commercial insurers.
- You're tired of waiting up to 120 days to get reimbursed for your work.
- You want consistent cash flow to meet obligations and invest in growth.
- You want an experienced advocate on your side and are willing to pay for results.
Graham Gordon
Founder, Milestone Capital
Why I Built This Plan For You
My journey into business finance began unexpectedly. After a decade of securing over $75 million for small and medium businesses, I saw a frustrating pattern: healthcare agencies were constantly throttled by slow payments from Medicare, Medicaid, and insurers.
Traditional financing is broken. Lenders pay advisors, which means the advisor's real customer is the investor, not you. This creates a fundamental conflict of interest.
I built this program on a simple, powerful experiment: what if we work directly for you? By flipping the equation, our sole incentive becomes securing the best possible terms for your agency. This alignment means you get an experienced advocate dedicated to your interests, not a lender's commission.
How Much Funding is Trapped in Your Receivables?
Use our free, 60-second calculator to see the maximum potential funding you can access from a new facility. Your staff will thank you.
Frequently Asked Questions
Factoring vs. Line of Credit: What's the difference?
In simple terms, factoring is selling your invoices (receivables) to a third party at a discount to get immediate cash. An A/R line of credit is a revolving loan secured by your receivables. Factoring is often faster and depends on your customers' credit, while a line of credit offers more control as you only draw what you need. We help you evaluate competitive offers for both structures.
What if my personal credit isn’t perfect?
For receivables-based financing, the primary collateral is the quality of your invoices from payers like Medicare, Medicaid, and commercial insurers. Lenders are more concerned with the creditworthiness of your payers than your personal FICO score. As long as you have consistent, verifiable billings to credible sources, options are available.
I already have some financing. Can you still help?
Yes. Many agencies are overpaying or have restrictive terms with their current lender. We can introduce competition to help you secure better terms, a larger facility, or a more flexible structure. We can also explore layering options if appropriate.
How is this compliant with healthcare regulations?
Compliance is our top priority. We only work with lenders specializing in healthcare who understand the rules. All financing is structured to respect Medicare/Medicaid anti-assignment provisions, typically using compliant lockbox accounts and standard UCC filings. This means the provider (you) always remains the designated payee on claims. Our intake process is also HIPAA-aware, and we never ask for Protected Health Information (PHI).