For Home Care Owners Doing $1M – $10M

Do you actually know where you’re making money?

Most home care operators are growing revenue they shouldn’t. Payers that look healthy are quietly eroding margin. Cash problems show up weeks too late.

We make it visible and fix it.

Find Your Margin

45-minute call. Walk away knowing exactly where your margin is leaking.

$150K–$250K
Every year
The Hidden Cost

Money you’re leaving on the table, right now

A $5M agency running a 40% Medicaid-waiver mix instead of 20% can leave this much on the table every year in rate differential alone. Most owners never see it, because no one has ever built them a payer dashboard.

Illustrative model. Not a client result.

What We Do

Three things change the day we plug in.

Know where you actually make money

Payer-level margin clarity across every contract. See which relationships drive profit and which payers to renegotiate or rebalance.

See cash problems before they hit

13-week forward visibility into payroll gaps and AR pressure. No surprises. No scrambling.

Turn data into decisions

Your scheduling system and financials in one operating view. From reporting to action.

What This Changes

From guessing to knowing.

  • You stop guessing.
  • You stop growing unprofitable revenue.
  • You start making decisions with real financial clarity.

If you can’t answer this, we should talk:
Where did I actually make money last month?

The BAA Engagement Model

How deep do you need us in the numbers?

Three tiers, one standard. The only question is how much of the work you hand us.

Tier 1

Clarity

$950 /mo

See your business clearly. Without a finance team.

Reporting & Visibility Only
  • QuickBooks pulled into one clean financial view
  • Monthly P&L, balance sheet & cash position
  • Peer benchmarks on the metrics that matter
  • Reporting you can actually read
Best For

Owners who just need to see clean, trustworthy numbers.

Where Most Operators Start
Tier 2

Counsel

$5,500 /mo

A fractional CFO in your corner. Twice a month.

Everything in Clarity, Plus
  • Two standing sessions a month: one financials, one strategy
  • Payer-mix, margin & pricing analysis
  • 13-week cash flow forecast
  • Direct CFO access between sessions
Best For

Operators ready to act on the numbers, not just read them.

Tier 3

Command

from$7,500 /mo

Hand us the books. Go run your business.

Everything in Counsel, Plus
  • Full-service bookkeeping & monthly close
  • AP / AR oversight
  • Audit-ready financials, every month
  • Your finance function, fully run
Best For

Owners who want out of the books entirely.

No long-term contracts. No retainer until you’re ready.
Clients remain responsible for their own bookkeeping software subscription (e.g., QuickBooks).

A full-time CFO runs $220,000 to $280,000 a year fully loaded. This is CFO-level thinking, fractional, and built for an operator your size.

Full-time CFO range: 2026 CFO base salary for small private companies, per Robert Half. Fully-loaded cost including benefits and payroll burden typically runs higher.

Is this you?

This is for you if
  • You own or operate a non-medical home care agency doing $1M to $10M
  • You have a bookkeeper, but nobody translating numbers into strategy
  • You are making growth decisions without reliable financial data
  • Your books close weeks late and your reports raise more questions than answers
  • You have a gut feeling something is off with your margins
  • You want a partner who actually understands home care
Dan Ayala, founder of Banner Ayala Associates
Founder

Meet Dan Ayala

I spent twenty years in healthcare analytics translating complex data into decisions leadership could act on. Then I left, bought a business, and learned what it actually feels like to carry the weight with a family depending on you.

Every home care owner I work with now is living some version of that. I recognize it because I lived it. BAA is the partner I wish I had when I was the one staring at the numbers alone.

If you are running a home care agency between $1M and $10M and nobody is translating your numbers into strategy, let's talk.

Not sure which tier fits? That’s the conversation.

One Conversation

Every quarter you wait is another quarter of invisible margin loss.

One 45-minute conversation. No long-term contracts. No retainer until you’re ready. Real answers. That’s how every engagement starts.