CareBridge™ by Isla Financial
The First Patient Financing Platform Backed by Life Insurance
Strengthen your agency. Improve care access. Earn monthly platform income—at zero cost to your operations.
CareBridge™ is the only financing solution purpose-built for senior care—flexible, dignified, and powered by life insurance. It allows individuals to unlock immediate funding from the policies they already hold, while preserving the long-term protection those policies were built to provide. With enhanced credit access—up to 6x more than traditional life insurance lending—CareBridge™ offers unmatched value, accessibility, and speed.
Built for non-medical home care, personal care, and home health, CareBridge™ helps you:
✓ Get guaranteed, instant payment before care begins
✓ Earn monthly participation income simply by staying active
✓ Serve more families with no credit checks or payment pressure
✓ Improve care continuity with longer, better-funded plans
✓ Operate with zero fees, no admin lift, and no billing risk
No fees. No delays. No disruption.
Just better access, stronger revenue, and a new layer of financial readiness—for you and your clients.
What Is CareBridge™?
The Payment Infrastructure Behind Smarter Growth
CareBridge™ is a payment and financing platform that bridges the gap between senior care access and provider cash flow. It gives providers fast, guaranteed revenue—and gives clients immediate access to flexible care funding backed by their life insurance assets.
✓ Unlock instant payment—before care begins
✓ Gain clients with pre-approved, flexible credit lines
✓ Eliminate financial delays and revenue gaps
No setup. No fees. No change to your care model.
Why Providers Choose CareBridge™
A New Financial Layer Built for How You Deliver Care
Zero Cost to Join
✓ Expand services without investing new resources
Instant, Guaranteed Payments
✓ No waiting. No invoicing. No billing cycles
Monthly Platform Income
✓ Earn consistent revenue for staying active
Better Intake, More Clients
✓ Pre-qualified families move forward without hesitation
Long-Term Credit Growth
✓ Clients gain more access as policies grow
No Operational Burden
✓ No tech lift, no admin, no disruption
Instant Payment
Get paid immediately as care is delivered. No billing cycles, no collections, no delays—just real-time revenue that supports cash flow, staffing, and scalability.
Monthly Platform Income
Earn reliable monthly income for every active client in the CareBridge™ network—no referrals, quotas, or admin required. Participation alone drives incremental earnings.
Faster Client Conversions
Families are pre-approved through existing life insurance, eliminating financial hesitation. Providers see higher intake rates; seniors get care started without delay.
No Monthly Payments or Credit Checks
Clients begin care with zero upfront costs, no monthly bills, and no credit score barriers. Repayment is fully flexible—always on their terms and timeline.
Longer-Term Care Enabled by Growing Credit
As the client’s life insurance value increases, so does their available credit—supporting longer care plans, steadier hours, and better continuity of care.
Up to 6x More Credit Access Than Traditional Options
Seniors unlock significantly more care financing than standard life insurance lending—giving them more access and giving providers greater lifetime revenue per client.
How It Works
Simple for Providers. Supportive for Seniors.
Join the CareBridge™ Network
✓ No fees, no integrations, no added systems.
Clients Are Financially Pre-Qualified
✓ Backed by the enhanced value of their existing life insurance.
You’re Paid Instantly
✓ Get funded at the start of care—no delays, no collections.
Earn Monthly Participation Income
✓ Ongoing revenue just for being active in the network.
Who It’s For?
Financing That Aligns with Your Model
✓ Home Care Agencies
✓ Personal Care Providers
✓ Hybrid & Private-Pay Models
✓ Regional and Independent Networks
Whether scaling growth or deepening relationships, CareBridge™ fuels your mission with revenue and reliability.
What Our Partners Say
Discover why providers join the CareBridge™ Partner Network
"We’ve turned away too many seniors simply because they couldn’t afford care upfront. CareBridge™ is finally giving us a way to say yes—and get paid without delays."
Sarah M.Founder, Independent Home Care Operator (NY) 
"The idea that we’ll earn reliable monthly income just by staying active in the CareBridge™ network—before even factoring in client revenue—is one of the most attractive aspects for us."
James R.Executive Director, Personal Support Network (FL) 
"We’ve looked at other programs and they all required system changes. CareBridge™ fits into our existing workflow with zero disruption. That’s a major win for our care team."
Susan G.Director of Operations, Community Care Home Services (TX) 
"CareBridge™ opens doors to financially qualified seniors who might have walked away before. We expect to see higher conversions and longer-term engagement with those clients."
Robert J.Intake Manager, PrivatePay Companion Services (CA) 
"Cash flow and collections have always been the hardest part of running an agency. Getting paid at the start of care eliminates 90% of that stress. It’s why we joined."
Elisa B.Owner, Restora Home Care (IL) 
"We don’t just get paid—we also benefit from the success of the network. The monthly participation income model makes CareBridge™ feel more like a partner than a vendor."
Monica H.Director of Strategic Partnerships, Horizon Senior Services (PA) 
"Being part of the founding provider network positions us to grow with CareBridge™. Between the marketing support and access to pre-approved clients, we see this as a long-term strategic advantage."
Jordan K.Regional Manager, VitalCircle Home Support (AZ) 
"What stood out was that CareBridge™ isn’t just another financing product—it’s designed to make access easier for seniors, and simpler for providers. That alignment is rare."
Anna L.Administrator, LivingWell At-Home Care (OH) 
The CareBridge™ Strategic Advantage
CareBridge™ is a senior care payment and financing network powered by life insurance–backed credit. It removes the financial barriers that delay or prevent care, giving providers guaranteed upfront payment, pre-approved clients ready to begin, and recurring income with zero admin or cost. By aligning provider revenue with patient access, CareBridge™ delivers a frictionless way to grow—while enabling more seniors to receive the care they need, when they need it.
Our Vision
A world where every senior can access care without delay—and every provider can grow without compromise.
Our Mission
To transform how seniors pay for care—by using life insurance as a source of strength for health, dignity, and independence.
