Finance & Back Office

Gusto

4.5Subscription$40/mo + $6/person

Simple payroll and benefits for small businesses ($40/mo + $6/person).

HCRS

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Home health + hospice billing services, chart audits, and reimbursement training — operational + revenue-cycle work specifically for post-acute agencies

Justworks

SubscriptionEstimated $50–$150 / employee / month (verify with Justworks)

Modern SMB PEO — co-employment payroll, benefits, HR, and compliance with consumer-grade UX for growing home care agencies

Kabbage (AmEx)

Varies — verify current AmEx Business Blueprint terms

Online SMB lending now part of American Express — LOCs up to $250K integrated into AmEx Business Blueprint for HC startups and SMB operators

Knight Healthcare Financial

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Home care + hospice specialty bookkeeping, payroll, tax, and part-time CFO services — boutique HC-financial firm for SMB + mid-market agencies

Lendio

Varies by matched lender + product

Online lending marketplace — single application matched against 75+ lenders for SBA loans, term loans, LOCs, and working capital across SMB segments

Paychex's PEO product line — co-employment payroll, benefits, and HR backed by the broader Paychex SMB infrastructure

OnPay

SubscriptionFlat $40 / month + $6 / employee

Modern SMB-friendly payroll + HR — one transparent price, healthcare-specific features, and workers' comp integration for HC agencies

PRN Funding (Healthcare Factoring)

Discount on factored AR + service fees — typically 1-3%

Healthcare AR factoring — cash advances against unpaid Medicare, Medicaid, and commercial claims to bridge the agency's reimbursement-cycle working-capital gap

Payactiv

Varies — often zero direct employer cost

Earned-wage-access + financial wellness platform for hourly workers — caregiver on-demand pay alongside savings, bill pay, and financial education

Paychex

4.0Quote

Payroll and HR services with PEO option for small-to-mid businesses.

Paycor WOTC + HIREtech

Bundled with Paycor + HIREtech contingency — verify

WOTC screening integrated into Paycor payroll via the HIREtech partnership — automated tax-credit capture for HC employers running Paycor

Paylocity

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Mid-market cloud HCM + payroll — time tracking, benefits, workforce management, and engagement tools for mid-size home care + healthcare operators

QuickBooks (Intuit)

SubscriptionTiered monthly subscription — $35-$235+ / month (QBO)

Dominant SMB accounting platform — the default chart-of-accounts + bookkeeping + tax-prep system for most small home care agencies

Rockerbox (WOTC Tax Credits)

Contingency on credits captured — verify rate

Standalone WOTC automation platform for home care — $2,400-$9,600 per eligible caregiver, payroll-agnostic with broad integration coverage

Sage Healthcare

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Sage Intacct + healthcare verticalization — cloud-based financial management for multi-entity healthcare operators outgrowing QuickBooks

Speritas Capital

Advisor fees typically 1-3% on funded amount

Healthcare practice financing advisor — broker structuring AR financing, equipment loans, and acquisition capital $250K-$30M for HC operators

TRACPA

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HC-specialty CPA firm — QuickBooks setup, tax planning, and part-time CFO for home care agencies wanting HC-aware accounting at boutique pricing

Tapcheck

Zero direct employer cost — employee-side fees on instant transfers

Same-day caregiver pay at zero employer cost — EWA platform with established home care franchise integrations and lightweight deployment

TaxSlayer (Caregiver Tax Filing)

Estimated $0-$60 / federal return; $40-$45 per state (verify with TaxSlayer)

Affordable online tax-filing software — self-serve federal + state returns for small HC agency owners filing their own business taxes