Payroll providers and PEOs, accounting and bookkeeping, business financing, caregiver benefits, and tax credit advisory for home care agencies.
44 vendors
Virtual CPA service for small businesses — bookkeeping, payroll, tax prep, and entity-setup support delivered remotely at flat-fee pricing
Enterprise payroll and HR platform for large organizations.
WOTC screening + filing integrated into ADP payroll — automatic eligibility check during caregiver onboarding for the ~25% of agencies already on ADP
Fixed-rate working-capital loans + LOCs $5K-$1M for home healthcare agencies — 24-48 hour approvals from a direct lender (not a broker)
Alternative-lending broker / network for senior care + HC agencies — SBA loans, working capital, equipment financing matched across multiple lenders
Healthcare-specific financing for HC operators — practice lending, working capital, and adjacent product structures for home health + healthcare agencies
Home health + hospice CPA + advisory practice within Forvis Mazars — cost reports, compliance audits, tax planning, and reimbursement consulting from a top-10 US accounting firm
Fully-managed online bookkeeping with a dedicated bookkeeper — hands-off financial management for HC agency owners who want to outsource the books entirely
Online banking + lending for SMBs — business checking, lines of credit up to $250K, and invoice factoring with cloud-native UX
Top SBA preferred lender with home health specialty — acquisition + expansion financing from $350K through SBA 7(a) loans for HH operators
Healthcare SBA financing across practice types — acquisition + expansion + equipment + partner buyouts for HC operators including home health and hospice
Care.com's household-employer payroll service (powered by GTM) — W-2 caregiver payroll, nanny tax filing, and compliance for families employing caregivers directly
AI-powered healthcare AR collections — recovers unpaid private-pay + insurance receivables for HC agencies without the in-house collections overhead
Healthcare-focused multi-product lender — working capital, LOCs, SBA loans, and invoice factoring for home health + healthcare agencies
Enterprise on-demand pay platform — caregivers access earned wages before payday with savings + automated-payday-deposit features
Healthcare-specific payroll + HR platform — purpose-built for HC agency workforce dynamics with scheduling integration, compliance, and earned-wage-access
Broader Forvis Mazars healthcare consulting practice — Medicare cost reports, Medicaid reimbursement, financial advisory, and tax across the full healthcare provider landscape
Revolving lines of credit for short-term cash-flow smoothing — fast approvals + flexible draws for HC agencies managing billing-cycle gaps
GTM's direct household-payroll product — nanny + caregiver payroll, multi-state tax filing, and household-employer compliance from a 30+ year payroll specialist
Household + home care payroll specialty — W-2 caregiver payroll, nanny tax compliance, and family-to-caregiver-employer workflows
Home care has more back-office edge cases than most small-business categories — overtime across multiple clients, sleep-time and travel-time rules, multi-state nexus on payroll, EVV-driven hour validation, slow Medicaid receivables — so generalist providers often force expensive manual workarounds.
Payroll providers and PEOs for home care handle the wage-and-hour edge cases natively. Home care–aware payroll (Gusto's home care vertical, Paychex's home care vertical, Workforce Go!) and PEOs (Insperity, Justworks, TriNet) manage overtime aggregation, multi-state pay, certified payroll where required, and integration with EVV/scheduling systems so caregiver hours flow from punch to paycheck without spreadsheet glue. PEOs additionally bundle health benefits, workers' comp, and HR services in exchange for higher per-employee pricing.
Accounting and bookkeeping for home care agencies is mostly cash-flow management on top of standard service-business accounting. Specialist firms (HMS Bookkeeping, Forte Bookkeeping, regional CPAs with home care clients) understand the cadence of payer remittances, the impact of state-by-state reimbursement rates, and the ratios investors care about when you eventually sell. Generic bookkeeping is fine for a single-location private-pay agency; multi-state or Medicaid-heavy operators benefit from a specialist.
Business financing and lending comes from three buckets. SBA loans (7(a) and 504) cover startup capital and acquisitions; specialty SBA lenders (Live Oak Bank, Pursuit Lending) underwrite home care specifically. Factoring and invoice financing (Triumph Financial, Bay View Funding, RTS Financial) bridge the 60–90 day Medicaid receivable gap that breaks startups in year one. Specialty healthcare lenders (Healthcare Capital, regional banks with healthcare divisions) offer working capital and acquisition financing on terms tuned to home care unit economics.
Caregiver health benefits (Stride, Catch, Decent, Sana) became a strategic line item in the post-COVID labor market — agencies offering benefits to caregivers (or supporting independent contractors in finding individual coverage) materially reduce turnover and recruiting cost. Many are distributed through PEOs; some are direct.
Tax credits and advisory (R&D credits for software builds, Employee Retention Credit cleanup, Work Opportunity Tax Credit for hiring veterans/qualifying populations) deliver real cash to home care agencies that often don't realize they qualify. Specialist firms work on contingency (typically 15–25% of credits captured); the upside is large enough that engaging one early is usually a clear positive ROI.
