Home care providers are navigating one of the most challenging landscapes in the history of the industry—where rising labor costs, unpredictable staffing, and inconsistent client payments strain both operations and outcomes. At the same time, families are under pressure. The cost of care is high, access to financing is limited, and many seniors are left delaying or minimizing services they urgently need.
CareBridge™, a financial access platform by Isla Financial, was built to solve both sides of this problem. It’s the first and only solution that turns a client’s existing life insurance into a flexible credit line—designed specifically for senior care. By unlocking enhanced cash value and offering up to 6x more available credit than traditional lenders, CareBridge™ allows families to access full care plans immediately—while giving providers the financial predictability and revenue performance they need to grow.
Unlike traditional options that rely on credit scores or fixed repayment terms, CareBridge™ is structured around what families already have: life insurance. Using a proprietary underwriting model, we evaluate the value of in-force policies and issue credit that’s flexible, dignified, and aligned with care—not with a credit bureau.
For families, this means no monthly repayment schedule, no disruption to their coverage, and the ability to fund more hours of care—on their terms. As the policy matures, the credit line can grow with it, ensuring that financing remains available over time for evolving care needs.
For providers, the model is just as transformative.
With CareBridge™, agencies receive instant payment, eliminating the delays, collections, and billing cycles that drain resources. That means greater control over staffing, stronger retention, and the ability to confidently plan around hours that are already paid for.
But CareBridge™ goes further—offering ongoing platform income for every participating provider, simply for being in the network. There’s no quota, no additional work, and no change in workflow. Providers also gain priority access to pre-funded, pre-approved clients—reducing intake friction and increasing conversion rates across the board.
The result is a care model where financial readiness meets operational stability—where agencies are no longer caught between unpredictable revenue and rising costs, and where families can say “yes” to the care they need, when they need it.
This is not a one-time transaction or a work-around. It’s a new layer of infrastructure for home care—one that aligns capital with care delivery, and positions providers to scale without compromising on outcomes or financial performance.
CareBridge™ is already helping forward-thinking agencies increase average care hours, reduce staff turnover, and capture recurring revenue—at no cost, no tech lift, and no risk.
If you’re looking to improve intake, increase revenue, and serve more families—without adding complexity—CareBridge™ was built for you.
Let’s grow the future of care, together.