Reliable vehicles for the caregivers who go to the patient
Cars, SUVs, cargo vans and specialty vehicles for home health agencies, hospice, home infusion, mobile phlebotomy, DME suppliers and mobile therapy providers. New or used, one vehicle or a whole fleet.
Home healthcare vehicles we finance
When your care happens in patients' homes, your vehicles are your clinic on wheels. We finance the vehicles and the upfits that make them work.
Rough price ranges for home healthcare vehicles
| Vehicle | Typical new price |
|---|---|
| Compact car or small SUV | $25,000 – $40,000 |
| Compact cargo van | $30,000 – $45,000 |
| Full-size cargo van with shelving | $45,000 – $65,000 |
| Refrigerated van | $60,000 – $90,000 |
| DME box truck with liftgate | $70,000 – $110,000 |
| Mobile clinic build-out | $150,000 – $300,000+ |
Estimates only, not quotes. Used vehicles can cost much less and can be financed the same way.
Agency-owned fleet or employee mileage?
| Agency-owned or leased vehicles | Reimbursing employee mileage | |
|---|---|---|
| Monthly cost | Fixed payment plus insurance, fuel and maintenance | Varies with miles driven |
| Branding | Wrapped vehicles advertise your agency | None |
| Reliability | You control vehicle condition | Depends on each employee's car |
| Supplies & equipment | Upfit with shelving or refrigeration | Limited to personal vehicles |
| Best for | High-mileage routes, DME, infusion and courier work | Low-mileage or part-time staff |
Run the numbers both ways: your annual mileage reimbursement compared with a fleet payment plus insurance and maintenance. Many agencies use a mix.
How vehicle and equipment financing works
Funding your equipment.
Your trusted source for business capital.
Starting or growing a home healthcare business.
Why home health agencies finance with us
What it takes to qualify
- Active business entity and any state home health or hospice license
- Personal guaranty from owners (corp-only available for established agencies)
- Minimum 650 credit score for startups (pre-revenue or under 2 years in business)
- Dealer quote or vehicle details for used units
- Proof of commercial auto insurance before funding
- No bankruptcies in the last 7 years and no unresolved tax liens
See where you stand with the approval indicator.
Vehicles on payments, payroll on credit
Home health agencies often wait 30 to 60 days or more on Medicare, Medicaid and insurance payments while payroll runs every week or two. Keep vehicles on fixed vehicle financing, and use a line of credit or factoring for the reimbursement gap, so a slow payer never forces you to pull cash out of your fleet.
From dealer quote to first visit
- Send the quoteFrom any dealer or seller, for one vehicle or several.
- Apply in minutesA one-page application covers requests up to about $250K.
- Get approvedOften by the next day, with every payment shown before you sign.
- We fund the dealerUsually 1–5 days after signing and proof of insurance.
Home healthcare vehicle financing questions
Can a new home health agency finance vehicles?
Yes. New agencies are considered based on the owners' credit, usually with a down payment. Established agencies can often finance with $0 down on approved credit.
Can I finance several vehicles at once?
Yes. One approval can cover multiple vehicles as they are delivered, from different dealers, in one monthly payment.
Can refrigeration and shelving be included?
Yes. Financing can cover up to 120% of the vehicle cost, including refrigeration units, shelving, liftgates and wraps.
Can I finance used vehicles?
Yes. Used vehicles from dealers, private sellers and auctions can be financed, as long as the vehicle and seller can be verified.
Is it better to own vehicles or pay mileage?
It depends on your mileage and route types. Compare your annual mileage reimbursement with a fleet payment plus insurance and maintenance; high-mileage and delivery routes often favor agency-owned vehicles.
How much can I finance on the application alone?
Up to about $250,000 with a one-page application, depending on credit and time in business.
Adding vehicles for your team?
Send us the dealer quote and get approved, often by the next day.
Vehicle prices shown are general estimates, not quotes. All financing subject to credit approval; terms vary by credit, time in business and vehicle. Liberty Capital Group, Inc. is not a tax advisor. NMLS #2009539 · CA DFPI #60-DBO49692.
Our small business financing experts are available to guide you through the funding Process.
Despite technological advancements, loans, especially in crane and boom truck and equipment financing, predominantly involve personal interaction with an underwriter to ensure as fraud prevention. Automation may not suffice, particularly when dealing with a third party like the vendor and the complexities of equipment purchase. In such scenarios, business owners are often better served by collaborating with a Business Loans Broker like Liberty Capital Group, Inc., who can steer them in the right direction.
Rates and terms disclosure: Any rates, payments or terms shown are examples only. Sample rates apply to established businesses with 3 to 5+ years in business and strong credit (680+ FICO) and are subject to credit approval. Rates for startups vary and are subject to final approval. This is not an offer or commitment to lend.
Instant Quote Online
Use our instant online quote calculator to get an accurate no obligation quote.
Apply Online
Complete our quick online application. Application takes 5 mins.
Review Your Options
We will contact you to review your options.
Get Funds
Money will be deposited in your account in as little as 24 hours.