The Business Is Working. The Cash Cycle Isn’t.

Keep payroll and growth moving even when reimbursement moves slowly.

CSB helps established home care operators manage the gap between paying caregivers today and receiving institutional reimbursement later.

When Reimbursement Moves Slower Than Your Business

Home care operators often have to pay caregivers, payroll taxes, and operating expenses well before Medicaid, MCOs, VA, insurance, and other institutional payors reimburse them. As the business grows, that cash-flow gap can grow with it.

Focus on Your Business

Spend less time worrying about payroll and more time running and growing the company.

Freedom to Grow

Add clients, caregivers, and hours when the opportunity makes sense—not only when cash happens to be available.

More Control

Make business decisions around the needs of your company rather than the payor’s reimbursement calendar.

When CSB May Be Worth a Conversation

Growth Is Consuming Cash

You have demand and operating capacity, but every new client or caregiver increases payroll before reimbursement catches up.

Payroll Comes Before Reimbursement

The revenue has been earned, but Medicaid, an MCO, VA, insurance, or another institutional payor has not paid yet.

Your Bank Can’t Provide Enough Flexibility

The business is sound, but your existing bank facility does not fully support your current needs or growth.

You’re Considering Expensive Short-Term Financing

Cash pressure is pushing you toward financing with frequent withdrawals or terms that could make the situation more difficult.

Built for Established Home Care Operators

CSB is best suited to fundamentally sound home care companies with meaningful institutional receivables and opportunities to improve cash-flow timing or support growth.

Examples of Institutional Payors:

A strong business looking for greater flexibility, control, and capacity to grow.

Why Companies Choose CSB

Home care receivables can be complex. CSB understands the timing pressures and funding needs behind the business.

Home care Receivables Experience

We understand the reimbursement cycles and cash-flow pressures that come with institutional healthcare receivables.

Flexible Capital Structures

We can evaluate situations that may not fit conventional bank underwriting.

Experience With Existing Bank or SBA Debt

Existing financing does not necessarily mean the conversation is over.

Direct Access to Decision-Makers

Work directly with experienced people who can understand the situation and make decisions.

Create More Flexibility Around Payroll, Reimbursement, and Growth

Have 15 minutes? Talk directly with Kevin Sampson about your receivables, cash-flow needs, and whether CSB may be a fit.

Real Home Care Growth Story

A look at how better cash-flow flexibility can help home care businesses stay focused on care and growth.

The Opportunity

A home care operator with one successful location saw an opportunity to expand.

The Constraint

A second location meant adding staff and serving patients before related reimbursements would become cash. Without a dependable bridge, expansion could have put the original operation’s payroll under pressure.

What CSB Did

CSB converted eligible receivables into predictable working capital, reducing the need to wait for reimbursement before supporting the new location.

What Changed

After seeing the positive impact of funding on the first operation, the owner brought another location on board.

How It Works

01

Tell Us What You’re Looking to Accomplish

We start by understanding your goals, growth plans, and current cash-flow cycle.

02

We Review the Business and Receivables

We look at your payors, receivables, reimbursement timing, and existing financing.

03

Determine Whether There’s a Fit

If the situation makes sense for both sides, we develop an appropriate working-capital structure.