We Buy Homecare Agencies With 100% Seller Financing

Most agency owners never plan their exit. They build a business for 15 years, hit 60, realize they're tired, and then have no idea how to sell it. Private equity offers them 2x EBITDA and zero upside on the growth they spent years creating. A family member isn't interested in taking over. So they just keep going, day after day, hoping someone shows up with a better offer.

We're that better offer.

How our acquisition structure works

We buy homecare agencies with 100% seller financing. That means:

• Zero cash down at close
• You get paid out of the profits of the agency over 3-5 years
• You retain 5% equity in the combined company going forward
• You stay on as a part-time advisor if you want — or walk away completely on day one

The math works for everyone. You get the full value of your business spread out as quarterly payments (and you typically come out ahead of a traditional PE deal because there's no discount for "future risk"). You still benefit from the upside if we grow the combined company. You don't have to hand over the business to some MBA who's never set foot in a client's home.

And we get an operating business to add to our platform without writing a check we don't have yet.

Why we can do this

We're building the operating system for homecare. Every agency we acquire plugs into our platform. We handle the billing, the scheduling, the caregiver onboarding, the compliance, the reporting, the family communication. Your admin staff stops doing paperwork because the AI does it. Your caregivers spend more time caring and less time documenting.

The result is higher margins on the same revenue. A typical small agency runs at 12-15% EBITDA. With our platform operating the back office, that goes to 22-28%. On a $1M revenue agency, that's an extra $100K-$130K per year flowing to the bottom line.

That's the number that lets us pay sellers their full asking price on earn-out. We're not buying your business and hoping it grows. We're plugging it into an operating system that immediately makes it more profitable.

Who we're looking for

Our ideal acquisition target is:

• Agency owner age 55+
• Revenue between $500K and $5M annually
• Based in California (for now — Southern California especially)
• 10+ years in operation
• No clear succession plan
• Ready to step back but not walk away empty-handed

If any of that sounds like you, or if it sounds like someone you know, we want to talk. No pressure, no commitment, no broker fees. Just a conversation about what your business is really worth and how a seller-note structure might give you a better exit than anything you've been offered.

We're not in a hurry. We're looking for the right fit, not the fastest close. But we are serious, we have capital committed (even though it's not cash at close), and we have a track record of closing the deals that are right.

Reach out. Let's talk.