{"product_id":"home-infusion-therapy-startup-costs","title":"Home Infusion Therapy Startup Costs: $905K Opening Cash Plan","description":"\u003cdiv class=\"card_smpl\"\u003e\n\n\u003cdiv class=\"double_border\"\u003e\n\n\u003cdiv class=\"card_smpl_header\"\u003e\n\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-plus-icon.svg\" alt=\"Key Takeaways\" class=\"icon_how_to_use\"\u003e\n\n\u003ch3\u003eKey Takeaways\u003c\/h3\u003e\n\n\u003c\/div\u003e\n\n\u003cul class=\"lst_crct_blog\"\u003e\n\n\u003cli\u003eLicensing delays can pressure payroll and receivables fast.\u003c\/li\u003e\n\n\u003cli\u003eReusable equipment costs differ from consumable supplies.\u003c\/li\u003e\n\n\u003cli\u003eHardware is upfront; software and claims fees recur.\u003c\/li\u003e\n\n\u003cli\u003eHiring should follow referral growth, not run ahead.\u003c\/li\u003e\n\n\u003c\/ul\u003e\n\n\u003c\/div\u003e\n\n\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\n\n\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eEstimate Startup Costs with Calculator\u003c\/span\u003e\u003c\/h2\u003e\n\u003csection class=\"fml-capex-calculator\" aria-label=\"Home Infusion Therapy Service Startup CAPEX Calculator\" data-locale=\"en-US\" data-currency=\"USD\" data-default-scenario=\"base\" data-export-filename=\"Startup CAPEX calculator.xlsx\" data-source-site-name=\"Financial Models Lab\" data-source-site-url=\"https:\/\/financialmodelslab.com\" data-source-page-title=\"Home Infusion Therapy Service Startup CAPEX Calculator\" data-note-title=\"Exclusions\" data-note-text=\"This calculator includes only capitalized startup assets. It excludes inventory, payroll runway, deposits, debt service, working capital, rent, insurance premiums, billing delays, receivables, marketing runway, and other operating expenses.\"\u003e\u003cdiv class=\"fml-capex-card\"\u003e\n\u003cheader class=\"fml-capex-header\"\u003e\u003cdiv class=\"fml-capex-heading\"\u003e\n\u003cp class=\"fml-capex-eyebrow\"\u003eStartup CAPEX Calculator\u003c\/p\u003e\n\u003cp class=\"fml-capex-intro\"\u003eEstimates capitalized startup assets only for launch, plus an optional contingency reserve.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-capex-scenarios\" aria-label=\"Scenario presets\"\u003e\n\u003cbutton class=\"fml-capex-scenario\" type=\"button\" data-scenario=\"lean\"\u003eLean\u003c\/button\u003e\u003cbutton class=\"fml-capex-scenario is-active\" type=\"button\" data-scenario=\"base\"\u003eBase\u003c\/button\u003e\u003cbutton class=\"fml-capex-scenario\" type=\"button\" data-scenario=\"full\"\u003eFull\u003c\/button\u003e\n\u003c\/div\u003e\u003c\/header\u003e\u003cdiv class=\"fml-capex-layout\"\u003e\n\u003cform class=\"fml-capex-inputs\"\u003e\n\u003cdiv class=\"fml-capex-row\"\u003e\n\u003clabel class=\"fml-capex-label\"\u003e\u003cspan\u003eMobile Infusion Pump Fleet\u003c\/span\u003e\u003csmall\u003eCore clinical equipment for home infusion delivery.\u003c\/small\u003e\u003c\/label\u003e\u003cdiv class=\"fml-capex-money\"\u003e\n\u003cspan\u003e$\u003c\/span\u003e\u003cinput data-capex-field=\"mobile_infusion_pump_fleet\" data-capex-kind=\"money\" data-capex-label=\"Mobile Infusion Pump Fleet\" data-capex-note=\"Core clinical equipment for home infusion delivery.\" data-lean=\"74000\" data-base=\"85000\" data-full=\"98000\" name=\"mobile_infusion_pump_fleet\" type=\"text\" inputmode=\"numeric\" value=\"85,000\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-capex-row\"\u003e\n\u003clabel class=\"fml-capex-label\"\u003e\u003cspan\u003eSterile Medication Storage Refrigeration\u003c\/span\u003e\u003csmall\u003eCold-chain storage needed for safe medication handling.\u003c\/small\u003e\u003c\/label\u003e\u003cdiv class=\"fml-capex-money\"\u003e\n\u003cspan\u003e$\u003c\/span\u003e\u003cinput data-capex-field=\"sterile_medication_storage_refrigeration\" data-capex-kind=\"money\" data-capex-label=\"Sterile Medication Storage Refrigeration\" data-capex-note=\"Cold-chain storage needed for safe medication handling.\" data-lean=\"10500\" data-base=\"12000\" data-full=\"14000\" name=\"sterile_medication_storage_refrigeration\" type=\"text\" inputmode=\"numeric\" value=\"12,000\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-capex-row\"\u003e\n\u003clabel class=\"fml-capex-label\"\u003e\u003cspan\u003eNurse Field Tablets and Hardware\u003c\/span\u003e\u003csmall\u003eMobile devices and hardware used for charting and dispatch.\u003c\/small\u003e\u003c\/label\u003e\u003cdiv class=\"fml-capex-money\"\u003e\n\u003cspan\u003e$\u003c\/span\u003e\u003cinput data-capex-field=\"nurse_field_tablets_and_hardware\" data-capex-kind=\"money\" data-capex-label=\"Nurse Field Tablets and Hardware\" data-capex-note=\"Mobile devices and hardware used for charting and dispatch.\" data-lean=\"20000\" data-base=\"25000\" data-full=\"30000\" name=\"nurse_field_tablets_and_hardware\" type=\"text\" inputmode=\"numeric\" value=\"25,000\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-capex-row\"\u003e\n\u003clabel class=\"fml-capex-label\"\u003e\u003cspan\u003eCentral Office Furnishing and Layout\u003c\/span\u003e\u003csmall\u003eWorkspace buildout for intake, scheduling, and clinical coordination.\u003c\/small\u003e\u003c\/label\u003e\u003cdiv class=\"fml-capex-money\"\u003e\n\u003cspan\u003e$\u003c\/span\u003e\u003cinput data-capex-field=\"central_office_furnishing_and_layout\" data-capex-kind=\"money\" data-capex-label=\"Central Office Furnishing and Layout\" data-capex-note=\"Workspace buildout for intake, scheduling, and clinical coordination.\" data-lean=\"32000\" data-base=\"40000\" data-full=\"48000\" name=\"central_office_furnishing_and_layout\" type=\"text\" inputmode=\"numeric\" value=\"40,000\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-capex-row\"\u003e\n\u003clabel class=\"fml-capex-label\"\u003e\u003cspan\u003eClinical Training and Simulation Lab\u003c\/span\u003e\u003csmall\u003eInitial staff training setup and clinical practice environment.\u003c\/small\u003e\u003c\/label\u003e\u003cdiv class=\"fml-capex-money\"\u003e\n\u003cspan\u003e$\u003c\/span\u003e\u003cinput data-capex-field=\"clinical_training_and_simulation_lab\" data-capex-kind=\"money\" data-capex-label=\"Clinical Training and Simulation Lab\" data-capex-note=\"Initial staff training setup and clinical practice environment.\" data-lean=\"28000\" data-base=\"35000\" data-full=\"42000\" name=\"clinical_training_and_simulation_lab\" type=\"text\" inputmode=\"numeric\" value=\"35,000\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-capex-row\"\u003e\n\u003clabel class=\"fml-capex-label\"\u003e\u003cspan\u003eContingency Reserve\u003c\/span\u003e\u003csmall\u003eCovers launch overruns on equipment, setup, and training.\u003c\/small\u003e\u003c\/label\u003e\u003cdiv class=\"fml-capex-percent\"\u003e\n\u003cinput data-capex-field=\"contingency_reserve\" data-capex-kind=\"percent\" name=\"contingency_reserve\" type=\"range\" min=\"0\" max=\"20\" step=\"1\" data-lean=\"5\" data-base=\"10\" data-full=\"15\" value=\"10\"\u003e\u003coutput data-capex-output=\"contingencyValue\"\u003e10%\u003c\/output\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/form\u003e\n\u003caside class=\"fml-capex-results\" aria-live=\"polite\"\u003e\u003cspan class=\"fml-capex-tag\"\u003eTotal asset budget\u003c\/span\u003e\u003cdiv class=\"fml-capex-total\"\u003e\n\u003cspan\u003eTotal startup CAPEX\u003c\/span\u003e\u003cstrong data-capex-output=\"totalCapex\"\u003e$216,700\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdl class=\"fml-capex-result-list\"\u003e\n\u003cdiv\u003e\n\u003cdt\u003eSubtotal before contingency\u003c\/dt\u003e\n\u003cdd data-capex-output=\"subtotal\"\u003e$197,000\u003c\/dd\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cdt\u003eContingency amount\u003c\/dt\u003e\n\u003cdd data-capex-output=\"contingencyAmount\"\u003e$19,700\u003c\/dd\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cdt\u003eLargest cost driver\u003c\/dt\u003e\n\u003cdd data-capex-output=\"largestDriver\"\u003eMobile Infusion Pump Fleet\u003c\/dd\u003e\n\u003c\/div\u003e\n\u003c\/dl\u003e\n\u003cdiv class=\"fml-capex-chart\" aria-label=\"CAPEX cost category breakdown\"\u003e\n\u003cdiv class=\"fml-capex-bar-row\"\u003e\n\u003cspan\u003ePumps\u003c\/span\u003e\u003cdiv\u003e\u003ci data-capex-bar=\"mobile_infusion_pump_fleet\" style=\"--fml-capex-share: 43%;\"\u003e\u003c\/i\u003e\u003c\/div\u003e\n\u003cb data-capex-share=\"mobile_infusion_pump_fleet\"\u003e43%\u003c\/b\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-capex-bar-row\"\u003e\n\u003cspan\u003eRefrigeration\u003c\/span\u003e\u003cdiv\u003e\u003ci data-capex-bar=\"sterile_medication_storage_refrigeration\" style=\"--fml-capex-share: 6%;\"\u003e\u003c\/i\u003e\u003c\/div\u003e\n\u003cb data-capex-share=\"sterile_medication_storage_refrigeration\"\u003e6%\u003c\/b\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-capex-bar-row\"\u003e\n\u003cspan\u003eTablets\u003c\/span\u003e\u003cdiv\u003e\u003ci data-capex-bar=\"nurse_field_tablets_and_hardware\" style=\"--fml-capex-share: 13%;\"\u003e\u003c\/i\u003e\u003c\/div\u003e\n\u003cb data-capex-share=\"nurse_field_tablets_and_hardware\"\u003e13%\u003c\/b\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-capex-bar-row\"\u003e\n\u003cspan\u003eOffice Setup\u003c\/span\u003e\u003cdiv\u003e\u003ci data-capex-bar=\"central_office_furnishing_and_layout\" style=\"--fml-capex-share: 20%;\"\u003e\u003c\/i\u003e\u003c\/div\u003e\n\u003cb data-capex-share=\"central_office_furnishing_and_layout\"\u003e20%\u003c\/b\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-capex-bar-row\"\u003e\n\u003cspan\u003eTraining Lab\u003c\/span\u003e\u003cdiv\u003e\u003ci data-capex-bar=\"clinical_training_and_simulation_lab\" style=\"--fml-capex-share: 18%;\"\u003e\u003c\/i\u003e\u003c\/div\u003e\n\u003cb data-capex-share=\"clinical_training_and_simulation_lab\"\u003e18%\u003c\/b\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"fml-capex-export\" type=\"button\" data-capex-export\u003eEXPORT XLSX\u003c\/button\u003e\u003c\/aside\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-capex-note\"\u003e\n\u003cspan class=\"fml-capex-note-icon\" aria-hidden=\"true\"\u003e!\u003c\/span\u003e\u003cp\u003e\u003cstrong\u003eExclusions\u003c\/strong\u003e This calculator includes only capitalized startup assets. It excludes inventory, payroll runway, deposits, debt service, working capital, rent, insurance premiums, billing delays, receivables, marketing runway, and other operating expenses.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003c\/section\u003e\u003cbr\u003e\u003cdiv class=\"container_new_design_blog\"\u003e\n\n\u003cdiv class=\"text-section_blog text-2_new_design_blog\"\u003e\n\n\u003cdiv class=\"line_top_blog\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\n\u003ch3\u003e\u003cspan style=\"color: #126CFF;\"\u003eWhat does the CAPEX tab show?\u003c\/span\u003e\u003c\/h3\u003e\n\n\u003cp\u003eThis CAPEX tab in the \u003ca href=\"\/products\/home-infusion-therapy-financial-model\"\u003eHome Infusion Therapy Service Financial Model Template\u003c\/a\u003e shows \u003cstrong\u003e$240,000\u003c\/strong\u003e assets, startup costs, working capital, timing, depreciation, and amortization; review assumptions now.\u003c\/p\u003e\n\n\u003ch4\u003eFinancial model highlights\u003c\/h4\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003e$240,000 asset schedule\u003c\/li\u003e\n\u003cli\u003e$905,000 Month 1 cash\u003c\/li\u003e\n\u003cli\u003e$18,100 fixed costs\u003c\/li\u003e\n\u003cli\u003e$39,750 admin payroll\u003c\/li\u003e\n\u003cli\u003ePayer lag and ramp\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003c\/div\u003e\n\n\u003cdiv class=\"image-section_blog image-2_new_design_blog\"\u003e\n\n\u003cdiv class=\"preview-card\" data-preview-src=\"\/cdn\/shop\/files\/home-infusion-therapy-financial-model-capex-financialmodelslab_85971682-3efa-402f-9155-a3d81319eabf.webp\"\u003e\n\u003cimg class=\"preview-img\" width=\"100%\" height=\"auto\" src=\"\/cdn\/shop\/files\/home-infusion-therapy-financial-model-capex-financialmodelslab_85971682-3efa-402f-9155-a3d81319eabf.webp?width=500\" alt=\"Home Infusion Therapy Service Financial Model capex inputs showing capital expenditure categories and timelines, letting users customize equipment, facility, and startup costs for 5‑year projections and funding planning.\"\u003e\n\u003cdiv class=\"preview-overlay\"\u003e\n\u003cbutton class=\"preview-btn\" type=\"button\" style=\"align-items: center; vertical-align: middle; display: inline-flex; justify-content: center; gap: 6px; line-height: 1;\"\u003e\nPREVIEW \u003csvg fill=\"#fff\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\" role=\"presentation\" viewbox=\"0 0 448 512\" width=\"14\"\u003e\u003cpath d=\"M416 176V86.63L246.6 256L416 425.4V336c0-8.844 7.156-16 16-16s16 7.156 16 16v128c0 8.844-7.156 16-16 16h-128c-8.844 0-16-7.156-16-16s7.156-16 16-16h89.38L224 278.6L54.63 448H144C152.8 448 160 455.2 160 464S152.8 480 144 480h-128C7.156 480 0 472.8 0 464v-128C0 327.2 7.156 320 16 320S32 327.2 32 336v89.38L201.4 256L32 86.63V176C32 184.8 24.84 192 16 192S0 184.8 0 176v-128C0 39.16 7.156 32 16 32h128C152.8 32 160 39.16 160 48S152.8 64 144 64H54.63L224 233.4L393.4 64H304C295.2 64 288 56.84 288 48S295.2 32 304 32h128C440.8 32 448 39.16 448 48v128C448 184.8 440.8 192 432 192S416 184.8 416 176z\"\u003e\u003c\/path\u003e\u003c\/svg\u003e\n\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\n\n\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eHow should founders build a home infusion business funding plan?\u003c\/span\u003e\u003c\/h2\u003e\u003cbr\u003e\n\u003cp\u003eFor a \u003cstrong\u003eHome Infusion Therapy Service\u003c\/strong\u003e, the funding plan should tie \u003cstrong\u003elaunch timing\u003c\/strong\u003e, \u003cstrong\u003epatient ramp-up\u003c\/strong\u003e, \u003cstrong\u003ereimbursement lag\u003c\/strong\u003e, and \u003cstrong\u003enurse utilization\u003c\/strong\u003e to cash needs before you raise money. Here’s the quick math: the base case uses \u003cstrong\u003e29\u003c\/strong\u003e Year 1 clinicians and specialists, \u003cstrong\u003e40 to 60\u003c\/strong\u003e monthly treatments per clinician, \u003cstrong\u003e$350 to $750\u003c\/strong\u003e per treatment, and a Year 1 capacity funding plan that must cover \u003cstrong\u003e$240,000\u003c\/strong\u003e CAPEX, \u003cstrong\u003e$905,000\u003c\/strong\u003e minimum Month 1 cash, \u003cstrong\u003e$18,100\u003c\/strong\u003e monthly fixed overhead, and about \u003cstrong\u003e$39,750\u003c\/strong\u003e in admin payroll.\u003c\/p\u003e\n\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eBuild the ramp model\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eMap launch by week, not quarter.\u003c\/li\u003e\n\u003cli\u003eLink visits to clinician count.\u003c\/li\u003e\n\u003cli\u003eUse \u003cstrong\u003e40 to 60\u003c\/strong\u003e treatments monthly.\u003c\/li\u003e\n\u003cli\u003eTest reimbursement lag in cash flow.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eSet the raise size\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eFund \u003cstrong\u003e$240,000\u003c\/strong\u003e CAPEX first.\u003c\/li\u003e\n\u003cli\u003eKeep \u003cstrong\u003e$905,000\u003c\/strong\u003e minimum cash ready.\u003c\/li\u003e\n\u003cli\u003eCover \u003cstrong\u003e$18,100\u003c\/strong\u003e fixed overhead monthly.\u003c\/li\u003e\n\u003cli\u003eProtect against variable cost swings.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eHow much does it cost to start a home infusion business?\u003c\/span\u003e\u003c\/h2\u003e\u003cbr\u003e\n\u003cp\u003eA \u003cstrong\u003eHome Infusion Therapy Service\u003c\/strong\u003e needs about \u003cstrong\u003e$1.145 million\u003c\/strong\u003e to start: \u003cstrong\u003e$240,000\u003c\/strong\u003e in CAPEX plus \u003cstrong\u003e$905,000\u003c\/strong\u003e minimum Month 1 cash, not just equipment; see \u003ca href=\"\/blogs\/operating-costs\/home-infusion-therapy\"\u003eWhat Are The Operating Costs Of Home Infusion Therapy Service?\u003c\/a\u003e for the cost stack behind that runway.\u003c\/p\u003e\n\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eStartup Funding\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003e\n\u003cstrong\u003e$240,000\u003c\/strong\u003e CAPEX base plan\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e$905,000\u003c\/strong\u003e Month 1 cash need\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e$1.145 million\u003c\/strong\u003e total opening funding\u003c\/li\u003e\n\u003cli\u003eSeparate buildout from payroll runway\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eYear 1 Model\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003e\n\u003cstrong\u003e$5.467 million\u003c\/strong\u003e first-year revenue\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e29\u003c\/strong\u003e field clinicians and specialists\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e$350–$750\u003c\/strong\u003e per treatment\u003c\/li\u003e\n\u003cli\u003eFund claims lag, supplies, insurance, compliance\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eWhat hidden costs of starting a home infusion business get missed?\u003c\/span\u003e\u003c\/h2\u003e\u003cbr\u003e\n\u003cp\u003eThe biggest miss in a \u003cstrong\u003eHome Infusion Therapy Service\u003c\/strong\u003e is \u003cstrong\u003eworking capital\u003c\/strong\u003e, not CAPEX: the model shows \u003cstrong\u003e$905,000\u003c\/strong\u003e minimum cash in Month 1, plus \u003cstrong\u003e$18,100\u003c\/strong\u003e in monthly fixed costs and \u003cstrong\u003e$39,750\u003c\/strong\u003e in monthly management payroll. If you’re planning the launch, read \u003ca href=\"\/blogs\/write-business-plan\/home-infusion-therapy\"\u003eHow To Write A Business Plan To Launch Home Infusion Therapy Service?\u003c\/a\u003e with this in mind. \u003cstrong\u003eReceivables float\u003c\/strong\u003e is separate from startup assets, and Year 1 also carries \u003cstrong\u003e85%\u003c\/strong\u003e medical consumables and IV kits, \u003cstrong\u003e45%\u003c\/strong\u003e specialty pharmacy procurement fees, \u003cstrong\u003e50%\u003c\/strong\u003e nurse travel and mileage reimbursement, and \u003cstrong\u003e30%\u003c\/strong\u003e billing and claims processing fees.\u003c\/p\u003e\n\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eCash needs first\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003e\n\u003cstrong\u003e$905,000\u003c\/strong\u003e Month 1 cash floor\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e$18,100\u003c\/strong\u003e monthly fixed costs\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e$39,750\u003c\/strong\u003e monthly management payroll\u003c\/li\u003e\n\u003cli\u003ePay staff before reimbursement\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eCosts people miss\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eCredentialing delays slow cash\u003c\/li\u003e\n\u003cli\u003eMalpractice coverage adds cash load\u003c\/li\u003e\n\u003cli\u003e24\/7 on-call readiness costs real money\u003c\/li\u003e\n\u003cli\u003eCold-chain and audit work creates waste\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eCalculate Fuding Needs\u003c\/span\u003e\u003c\/h2\u003e\n\u003csection class=\"fml-summary-static\" aria-label=\"Home Infusion Therapy Service Startup Cost Summary\" data-locale=\"en-US\" data-currency=\"USD\" data-default-scenario=\"base\" data-export-filename=\"Home Infusion Therapy Service Startup Cost Summary.xlsx\" data-site-name=\"Financial Models Lab\" data-site-url=\"https:\/\/financialmodelslab.com\" data-source-title=\"Home Infusion Therapy Service Startup Cost Summary\" data-source-url=\"\"\u003e\u003cdiv class=\"fml-summary-static-card\"\u003e\n\u003cheader class=\"fml-summary-static-header\"\u003e\u003cdiv\u003e\n\u003cp class=\"fml-summary-static-eyebrow\"\u003eStartup cost summary\u003c\/p\u003e\n\u003cp class=\"fml-summary-static-description\"\u003eThis table shows startup CAPEX and excluded launch cash for a home infusion therapy service.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-summary-static-actions\"\u003e\n\u003cdiv class=\"fml-summary-static-scenarios\" aria-label=\"Highlight scenario\"\u003e\n\u003cbutton class=\"fml-summary-static-scenario\" type=\"button\" data-scenario=\"low\"\u003eLow\u003c\/button\u003e\u003cbutton class=\"fml-summary-static-scenario is-active\" type=\"button\" data-scenario=\"base\"\u003eBase\u003c\/button\u003e\u003cbutton class=\"fml-summary-static-scenario\" type=\"button\" data-scenario=\"high\"\u003eHigh\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"fml-summary-static-export\" type=\"button\" data-summary-export\u003eEXPORT XLSX\u003c\/button\u003e\n\u003c\/div\u003e\u003c\/header\u003e\u003csection class=\"fml-summary-static-metrics\" aria-live=\"polite\"\u003e\u003cdiv class=\"fml-summary-static-metric is-primary\"\u003e\n\u003cspan\u003eHighlighted CAPEX\u003c\/span\u003e\u003cstrong data-summary-metric=\"capex\"\u003e$240,000\u003c\/strong\u003e\u003csmall data-summary-metric=\"scenario\"\u003eBase planning example\u003c\/small\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-summary-static-metric is-warning\"\u003e\n\u003cspan\u003eExcluded cash needs\u003c\/span\u003e\u003cstrong data-summary-metric=\"working\"\u003e$905,000\u003c\/strong\u003e\u003csmall\u003eOutside CAPEX total\u003c\/small\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-summary-static-metric\"\u003e\n\u003cspan\u003eFunding need\u003c\/span\u003e\u003cstrong data-summary-metric=\"funding\"\u003e$1,145,000\u003c\/strong\u003e\u003csmall\u003eCAPEX + excluded cash needs\u003c\/small\u003e\n\u003c\/div\u003e\u003c\/section\u003e\u003cdiv class=\"fml-summary-static-table-wrap\"\u003e\u003ctable class=\"fml-summary-static-table\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth scope=\"col\"\u003eCost Category\u003c\/th\u003e\n\u003cth scope=\"col\" class=\"fml-summary-static-estimate-header\" data-summary-estimate-header\u003eBase Estimate\u003c\/th\u003e\n\u003cth scope=\"col\"\u003eMain Cost Driver\u003c\/th\u003e\n\u003cth scope=\"col\"\u003eCAPEX Calculator\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr data-summary-row data-low=\"75000\" data-base=\"85000\" data-high=\"98000\" data-capex=\"true\"\u003e\n\u003ctd\u003eMobile infusion pump fleet and clinical equipment\u003c\/td\u003e\n\u003ctd class=\"fml-summary-static-estimate\" data-summary-value\u003e$85,000\u003c\/td\u003e\n\u003ctd class=\"fml-summary-static-driver\"\u003ePump count and deployment scope\u003c\/td\u003e\n\u003ctd\u003e\u003cspan class=\"fml-summary-static-pill\"\u003eYes\u003c\/span\u003e\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr data-summary-row data-low=\"35000\" data-base=\"40000\" data-high=\"48000\" data-capex=\"true\"\u003e\n\u003ctd\u003eFacility setup and office furnishing\u003c\/td\u003e\n\u003ctd class=\"fml-summary-static-estimate\" data-summary-value\u003e$40,000\u003c\/td\u003e\n\u003ctd class=\"fml-summary-static-driver\"\u003eBuildout scope and furniture needs\u003c\/td\u003e\n\u003ctd\u003e\u003cspan class=\"fml-summary-static-pill\"\u003eYes\u003c\/span\u003e\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr data-summary-row data-low=\"30000\" data-base=\"35000\" data-high=\"42000\" data-capex=\"true\"\u003e\n\u003ctd\u003eStaff readiness and simulation training\u003c\/td\u003e\n\u003ctd class=\"fml-summary-static-estimate\" data-summary-value\u003e$35,000\u003c\/td\u003e\n\u003ctd class=\"fml-summary-static-driver\"\u003eTraining depth and onboarding volume\u003c\/td\u003e\n\u003ctd\u003e\u003cspan class=\"fml-summary-static-pill\"\u003eYes\u003c\/span\u003e\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr data-summary-row data-low=\"30000\" data-base=\"40000\" data-high=\"52000\" data-capex=\"true\"\u003e\n\u003ctd\u003eField technology and security setup\u003c\/td\u003e\n\u003ctd class=\"fml-summary-static-estimate\" data-summary-value\u003e$40,000\u003c\/td\u003e\n\u003ctd class=\"fml-summary-static-driver\"\u003eTablet count and security hardware\u003c\/td\u003e\n\u003ctd\u003e\u003cspan class=\"fml-summary-static-pill\"\u003eYes\u003c\/span\u003e\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr data-summary-row data-low=\"32000\" data-base=\"40000\" data-high=\"48000\" data-capex=\"true\"\u003e\n\u003ctd\u003eSterile storage, fleet safety, and inventory systems\u003c\/td\u003e\n\u003ctd class=\"fml-summary-static-estimate\" data-summary-value\u003e$40,000\u003c\/td\u003e\n\u003ctd class=\"fml-summary-static-driver\"\u003eCold storage, vehicle gear, and tracking tools\u003c\/td\u003e\n\u003ctd\u003e\u003cspan class=\"fml-summary-static-pill\"\u003eYes\u003c\/span\u003e\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr class=\"is-excluded\" data-summary-row data-low=\"850000\" data-base=\"905000\" data-high=\"1000000\" data-capex=\"false\"\u003e\n\u003ctd\u003eMonth 1 cash buffer\u003c\/td\u003e\n\u003ctd class=\"fml-summary-static-estimate\" data-summary-value\u003e$905,000\u003c\/td\u003e\n\u003ctd class=\"fml-summary-static-driver\"\u003eFixed overhead, billing lag, and payroll runway\u003c\/td\u003e\n\u003ctd\u003e\u003cspan class=\"fml-summary-static-pill is-no\"\u003eNo\u003c\/span\u003e\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\u003c\/div\u003e\n\u003cfooter class=\"fml-summary-static-note\"\u003e\u003cspan class=\"fml-summary-static-note-icon\" aria-hidden=\"true\"\u003e!\u003c\/span\u003e\u003cp\u003e\u003cstrong\u003ePlanning note:\u003c\/strong\u003e Ranges reflect researched startup assumptions; non-CAPEX cash covers launch runway and receivables float.\u003c\/p\u003e\u003c\/footer\u003e\n\u003c\/div\u003e\u003c\/section\u003e\u003cbr\u003e\n\n\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eHome Infusion Therapy Service Core Five Startup Costs\u003c\/span\u003e\u003c\/h2\u003e\u003cbr\u003e\u003cbr\u003e\n\u003ch3\u003e\u003cspan style=\"color: #126CFF;\"\u003eRegulatory Setup, Licensing, Accreditation, and Payer Enrollment Startup Expense\u003c\/span\u003e\u003c\/h3\u003e\u003cbr\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eLicensing Scope\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eState licensure, home health or nursing agency rules, pharmacy permits if you dispense, accreditation prep, Medicare supplier enrollment if applicable, commercial payer credentialing, policies, and clinical protocols can’t be priced with one national number. \u003cstrong\u003eState\u003c\/strong\u003e, \u003cstrong\u003epayer mix\u003c\/strong\u003e, \u003cstrong\u003eclinical scope\u003c\/strong\u003e, and \u003cstrong\u003epharmacy model\u003c\/strong\u003e set the cost and timeline.\u003c\/p\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl_2\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-tips-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eBudget Drivers\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eBuild it from state filing fees, consultant hours, policy and protocol drafting, survey prep, and enrollment work. Get quotes by state and payer, then budget \u003cstrong\u003emonths of coverage\u003c\/strong\u003e for delayed approvals. This expense lives inside the \u003cstrong\u003e$905,000\u003c\/strong\u003e minimum Month 1 cash plan because revenue can lag the hire and launch date.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eCash Timing\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eApproval timing matters as much as the fee. Delayed credentialing can leave nurses on payroll before claims are paid, which strains receivables and cash. Keep \u003cstrong\u003equality assurance and compliance audits\u003c\/strong\u003e at \u003cstrong\u003e$1,200 per month\u003c\/strong\u003e, and stage launch dates only after the slowest license and payer path is mapped.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"card_smpl\"\u003e\u003cdiv class=\"double_border\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-pin-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003e\u003cspan style=\"color: #ffffff;\"\u003ePayer Delay Risk\u003c\/span\u003e\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eIf payer enrollment slips, payroll still goes out and receivables arrive late. That is why licensing, accreditation readiness, and credentialing belong in launch cash, not in a future bucket. Tie the budget to the slowest approval path and keep enough runway for the first claim cycle.\u003c\/p\u003e\n\u003c\/div\u003e\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003ch3\u003e\u003cspan style=\"color: #126CFF;\"\u003eClinical Equipment, Infusion Devices, and Patient-Care Asset Startup Expense\u003c\/span\u003e\u003c\/h3\u003e\u003cbr\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eReusable assets\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eSeparate one-time gear from disposables. Reusable CAPEX totals \u003cstrong\u003e$160,000\u003c\/strong\u003e: \u003cstrong\u003e$85,000\u003c\/strong\u003e pump fleet, \u003cstrong\u003e$12,000\u003c\/strong\u003e sterile refrigeration, \u003cstrong\u003e$35,000\u003c\/strong\u003e training lab, \u003cstrong\u003e$18,000\u003c\/strong\u003e fleet branding and safety gear, and \u003cstrong\u003e$10,000\u003c\/strong\u003e barcoding. That base covers infusion pumps, ambulatory pumps, IV poles, emergency kits, PPE setup, sharps containers, secure storage, and cold-chain assets.\u003c\/p\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-tips-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eWhat to price\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003ePrice the fleet by unit count, quote, and service life. Add calibration, maintenance, and spare-unit assumptions for infusion pumps and refrigeration, plus cold-chain checks for medication storage. One clean rule: if it touches medication or the patient, it needs an asset record, a service plan, and a replacement path.\u003c\/p\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eCount devices by nurse route\u003c\/li\u003e\n\u003cli\u003eQuote service intervals separately\u003c\/li\u003e\n\u003cli\u003eTrack spares as backup stock\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl_2\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eKeep disposables in ops\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eDo not load IV kits, PPE, sharps containers, and single-use supplies into startup CAPEX. Put them in operating costs, with \u003cstrong\u003eYear 1 medical consumables and IV kits at 85% of revenue\u003c\/strong\u003e. That keeps spend tied to visits, so higher volume raises supply cash need and slower ramp lowers it.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"card_smpl\"\u003e\u003cdiv class=\"double_border\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-pin-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003e\u003cspan style=\"color: #ffffff;\"\u003eCash timing\u003c\/span\u003e\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eBuy reusable assets before the first home visit, then fund disposables as treatments start. Secure storage, barcoding, and safety gear reduce waste, but they do not remove cash pressure. If calibration or onboarding slips, cash gets stuck in idle equipment while supply orders still start with the first patient.\u003c\/p\u003e\n\u003c\/div\u003e\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003ch3\u003e\u003cspan style=\"color: #126CFF;\"\u003eTechnology, Billing, Scheduling, and HIPAA Systems Startup Expense\u003c\/span\u003e\u003c\/h3\u003e\u003cbr\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eCore Stack\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eA home infusion start needs \u003cstrong\u003eelectronic health record\u003c\/strong\u003e, \u003cstrong\u003eelectronic medication administration record\u003c\/strong\u003e, scheduling, route planning, secure messaging, billing, and \u003cstrong\u003eHIPAA\u003c\/strong\u003e controls. This budget separates hardware CAPEX from subscriptions: \u003cstrong\u003e$25,000\u003c\/strong\u003e for nurse field tablets and hardware, \u003cstrong\u003e$15,000\u003c\/strong\u003e for servers and firewalls, and \u003cstrong\u003e$1,800\u003c\/strong\u003e per month for EHR and HIPAA-compliant software.\u003c\/p\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl_2\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-tips-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eBudget Build\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eBuild this line item from \u003cstrong\u003eunits × unit price\u003c\/strong\u003e, plus implementation fees and months of coverage. The Year 1 software run rate is \u003cstrong\u003e$21,600\u003c\/strong\u003e at \u003cstrong\u003e$1,800\u003c\/strong\u003e per month, before claims processing. Billing and claims fees run at \u003cstrong\u003e30%\u003c\/strong\u003e of revenue in Year 1, so cash needs rise fast as volume grows.\u003c\/p\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eCount devices by nurse count.\u003c\/li\u003e\n\u003cli\u003eGet firewall and server quotes.\u003c\/li\u003e\n\u003cli\u003eModel 12 months of software.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eTrim Waste\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eKeep the hardware list tight and buy only what field staff need on day one. Tie tablets, phones, and access rights to roles, not headcount guesses. Ask vendors to itemize implementation, training, and support separately, and avoid signing for extra modules before dispatch, charting, and claims are live.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"card_smpl\"\u003e\u003cdiv class=\"double_border\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-pin-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003e\u003cspan style=\"color: #ffffff;\"\u003eCash Risk\u003c\/span\u003e\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003e\u003cstrong\u003eSecure messaging\u003c\/strong\u003e, billing tools, and route data all carry protected health information, so firewalls and access logs matter from day one. The real squeeze is timing: \u003cstrong\u003e30%\u003c\/strong\u003e of revenue goes to billing and claims in Year 1, while software still costs \u003cstrong\u003e$1,800\u003c\/strong\u003e each month, so slow collections can hit payroll fast.\u003c\/p\u003e\n\u003c\/div\u003e\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003ch3\u003e\u003cspan style=\"color: #126CFF;\"\u003eStaffing Readiness, Recruiting, Training, and Pre-Opening Payroll Startup Expense\u003c\/span\u003e\u003c\/h3\u003e\u003cbr\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eStartup Scope\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eRecruiting, RN onboarding, competency validation, infusion training, clinical director time, administrator time, background checks, credentialing, and on-call setup belong in \u003cstrong\u003estartup expense\u003c\/strong\u003e, not CAPEX. The Year 1 plan needs \u003cstrong\u003e29 clinicians and specialists\u003c\/strong\u003e across \u003cstrong\u003efive service lines\u003c\/strong\u003e, so these costs hit cash before first reimbursement and should be funded up front.\u003c\/p\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-tips-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003ePayroll Build\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eManagement payroll is based on a Clinical Director at \u003cstrong\u003e$145,000\u003c\/strong\u003e, an Operations Manager at \u003cstrong\u003e$95,000\u003c\/strong\u003e, two Patient Care Coordinators at \u003cstrong\u003e$65,000 each\u003c\/strong\u003e, a Billing Specialist at \u003cstrong\u003e$55,000\u003c\/strong\u003e, and an Intake Coordinator at \u003cstrong\u003e$52,000\u003c\/strong\u003e. That totals about \u003cstrong\u003e$39,750\u003c\/strong\u003e per month before taxes and benefits, or \u003cstrong\u003e$477,000\u003c\/strong\u003e a year.\u003c\/p\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eAdd payroll taxes separately.\u003c\/li\u003e\n\u003cli\u003eFund pre-opening coverage.\u003c\/li\u003e\n\u003cli\u003eTrack credentialing lead time.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl_2\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eHire Pace\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eCapacity starts at \u003cstrong\u003e450% to 700%\u003c\/strong\u003e, so hiring should follow referral flow, not the org chart. Start with the staff needed for first-day coverage, then add people as patient starts rise. The real drag is payroll sitting ahead of collections, so every early hire adds working-capital pressure.\u003c\/p\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eMatch hires to referral ramp.\u003c\/li\u003e\n\u003cli\u003eUse temporary help first.\u003c\/li\u003e\n\u003cli\u003eDelay nonessential roles.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"card_smpl\"\u003e\u003cdiv class=\"double_border\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-pin-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003e\u003cspan style=\"color: #ffffff;\"\u003eBudget Inputs\u003c\/span\u003e\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eEstimate this startup line from headcount, onboarding hours, credentialing quotes, background check fees, training days, and months of pre-opening coverage. What this estimate hides is timing: if payer cash comes late, payroll lands first. That is why staffing readiness belongs in startup cash, alongside the other launch costs.\u003c\/p\u003e\n\u003c\/div\u003e\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003ch3\u003e\u003cspan style=\"color: #126CFF;\"\u003eInsurance, Professional Services, and Risk-Management Startup Expense\u003c\/span\u003e\u003c\/h3\u003e\u003cbr\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eCoverage Stack\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003e\u003cstrong\u003eInsurance and legal setup\u003c\/strong\u003e here includes general liability, professional liability, malpractice, workers’ compensation, cyber liability, policy manuals, accounting, billing compliance review, and contracting support. Price it from quotes, not a national average: \u003cstrong\u003eclinical risk\u003c\/strong\u003e, state rules, staff count, service mix, payer contracts, and claims history all move the number. This model carries \u003cstrong\u003e$4,200\/month\u003c\/strong\u003e for malpractice and professional liability plus \u003cstrong\u003e$1,200\/month\u003c\/strong\u003e for quality assurance and compliance audits.\u003c\/p\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl_2\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-tips-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eQuote Inputs\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eBuild the estimate from policy lines and annual reviews. Separate one-time legal setup and policy writing from recurring premiums and audits. Ask for quotes that show \u003cstrong\u003estate-specific rules\u003c\/strong\u003e, \u003cstrong\u003estaff count\u003c\/strong\u003e, \u003cstrong\u003eservice mix\u003c\/strong\u003e, and \u003cstrong\u003epayer contract\u003c\/strong\u003e terms.\u003c\/p\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eCompare each coverage line separately.\u003c\/li\u003e\n\u003cli\u003eCheck renewal timing before launch.\u003c\/li\u003e\n\u003cli\u003eKeep audit and legal fees visible.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eKeep It Tight\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eKeep the spend tight by updating policies when scope changes, training nurses on documentation, and reviewing billing before claims go out. Don’t cut limits just to save cash; one gap in worker injury, malpractice, or cyber coverage can cost more than the p\nolicy. Clean files also help at renewal.\u003c\/p\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eReview denials every month.\u003c\/li\u003e\n\u003cli\u003eLog incidents right away.\u003c\/li\u003e\n\u003cli\u003eRefresh contracts yearly.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"card_smpl\"\u003e\u003cdiv class=\"double_border\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-pin-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003e\u003cspan style=\"color: #ffffff;\"\u003eCyber Control\u003c\/span\u003e\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eCyber risk is real because field tablets, secure messaging, billing systems, and \u003cstrong\u003eprotected health information\u003c\/strong\u003e all touch one workflow. The \u003cstrong\u003e$1,200\/month\u003c\/strong\u003e audit line should test access controls, device rules, and billing compliance before a breach or claim turns into a bigger repair bill.\u003c\/p\u003e\n\u003c\/div\u003e\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eCompare 3 Startup Cost Scenarios\u003c\/span\u003e\u003c\/h2\u003e\n\u003csection class=\"fml-scenario-table\" aria-label=\"Home Infusion Therapy Service Startup Cost Scenarios\" data-site-name=\"Financial Models Lab\" data-site-url=\"https:\/\/financialmodelslab.com\" data-source-title=\"Home Infusion Therapy Service Startup Cost Scenarios\" data-note-label=\"Planning note\" data-note-text=\"Ranges are researched planning assumptions, not vendor quotes or fixed funding offers.\"\u003e\u003cdiv class=\"fml-scenario-table-card\"\u003e\n\u003cheader class=\"fml-scenario-table-header\"\u003e\u003cdiv\u003e\n\u003cp class=\"fml-scenario-table-eyebrow\"\u003eScenario table\u003c\/p\u003e\n\u003cp class=\"fml-scenario-table-description\"\u003eLean trims assets and territory; Base matches the researched model; Full adds inventory, infrastructure, and staff, so cash needs rise fast as scope expands.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-scenario-table-actions\"\u003e\u003cbutton class=\"fml-scenario-table-export\" type=\"button\" data-scenario-export\u003eEXPORT XLSX\u003c\/button\u003e\u003c\/div\u003e\u003c\/header\u003e\u003cdiv class=\"fml-scenario-table-wrap\"\u003e\u003ctable class=\"fml-scenario-table-grid\"\u003e\n\u003ccaption\u003eLean, Base, and Full show how launch scope changes startup cash need.\u003c\/caption\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth class=\"fml-scenario-table-stub\" scope=\"col\" data-export-value=\"Scenario\"\u003eScenario\u003c\/th\u003e\n\u003cth class=\"fml-scenario-table-column\" scope=\"col\" data-export-value=\"Lean Launch\"\u003e\n\u003cspan class=\"fml-scenario-column-title\"\u003eLean Launch\u003c\/span\u003e\u003cspan class=\"fml-scenario-badge is-soft\"\u003eSetup light\u003c\/span\u003e\n\u003c\/th\u003e\n\u003cth class=\"fml-scenario-table-column\" scope=\"col\" data-export-value=\"Base Launch\"\u003e\n\u003cspan class=\"fml-scenario-column-title\"\u003eBase Launch\u003c\/span\u003e\u003cspan class=\"fml-scenario-badge is-soft\"\u003ePayer ready\u003c\/span\u003e\n\u003c\/th\u003e\n\u003cth class=\"fml-scenario-table-column\" scope=\"col\" data-export-value=\"Full Launch\"\u003e\n\u003cspan class=\"fml-scenario-column-title\"\u003eFull Launch\u003c\/span\u003e\u003cspan class=\"fml-scenario-badge is-warning\"\u003eAsset heavy\u003c\/span\u003e\n\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr data-scenario-row\u003e\n\u003cth class=\"fml-scenario-row-heading\" scope=\"row\" data-export-value=\"Launch model\"\u003e\u003cspan class=\"fml-scenario-row-heading-inner\"\u003e\u003cspan class=\"fml-scenario-row-icon is-launch\" aria-hidden=\"true\"\u003e\u003cimg class=\"fml-scenario-row-icon-img\" src=\"\/cdn\/shop\/files\/scenario-launch-model.svg\" alt=\"\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003e\u003cspan class=\"fml-scenario-row-title\"\u003eLaunch model\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003c\/th\u003e\n\u003ctd data-export-value=\"Uses a partnered pharmacy, a limited territory, and a smaller first-pass care team.\"\u003eUses a partnered pharmacy, a limited territory, and a smaller first-pass care team.\u003c\/td\u003e\n\u003ctd data-export-value=\"Uses owned core equipment, a central office, and the full Year 1 staffing plan.\"\u003eUses owned core equipment, a central office, and the full Year 1 staffing plan.\u003c\/td\u003e\n\u003ctd data-export-value=\"Adds broader service lines, larger staff, owned inventory, and more infrastructure for wider reach.\"\u003eAdds broader service lines, larger staff, owned inventory, and more infrastructure for wider reach.\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr data-scenario-row\u003e\n\u003cth class=\"fml-scenario-row-heading\" scope=\"row\" data-export-value=\"Typical setup\"\u003e\u003cspan class=\"fml-scenario-row-heading-inner\"\u003e\u003cspan class=\"fml-scenario-row-icon is-setup\" aria-hidden=\"true\"\u003e\u003cimg class=\"fml-scenario-row-icon-img\" src=\"\/cdn\/shop\/files\/scenario-typical-setup.svg\" alt=\"\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003e\u003cspan class=\"fml-scenario-row-title\"\u003eTypical setup\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003c\/th\u003e\n\u003ctd data-export-value=\"Runs with a light office, fewer pumps, and tight referral focus.\"\u003eRuns with a light office, fewer pumps, and tight referral focus.\u003c\/td\u003e\n\u003ctd data-export-value=\"Uses $240,000 CAPEX, $905,000 minimum Month 1 cash, 29 Year 1 clinicians and specialists, $18,100 monthly fixed costs, and $5.467 million Year 1 revenue.\"\u003eUses $240,000 CAPEX, $905,000 minimum Month 1 cash, 29 Year 1 clinicians and specialists, $18,100 monthly fixed costs, and $5.467 million Year 1 revenue.\u003c\/td\u003e\n\u003ctd data-export-value=\"Runs with expanded clinical coverage, pharmacy-related buildout, and more working capital.\"\u003eRuns with expanded clinical coverage, pharmacy-related buildout, and more working capital.\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr data-scenario-row\u003e\n\u003cth class=\"fml-scenario-row-heading\" scope=\"row\" data-export-value=\"Cost drivers\"\u003e\u003cspan class=\"fml-scenario-row-heading-inner\"\u003e\u003cspan class=\"fml-scenario-row-icon is-drivers\" aria-hidden=\"true\"\u003e\u003cimg class=\"fml-scenario-row-icon-img\" src=\"\/cdn\/shop\/files\/scenario-cost-drivers.svg\" alt=\"\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003e\u003cspan class=\"fml-scenario-row-title\"\u003eCost drivers\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003c\/th\u003e\n\u003ctd data-export-value=\"Partnered pharmacy; smaller pump fleet; lighter office setup; referral development; working capital\"\u003e\u003cul class=\"fml-scenario-list\"\u003e\n\u003cli\u003ePartnered pharmacy\u003c\/li\u003e\n\u003cli\u003esmaller pump fleet\u003c\/li\u003e\n\u003cli\u003elighter office setup\u003c\/li\u003e\n\u003cli\u003ereferral development\u003c\/li\u003e\n\u003cli\u003eworking capital\u003c\/li\u003e\n\u003c\/ul\u003e\u003c\/td\u003e\n\u003ctd data-export-value=\"Pump fleet; office and storage; liability insurance; staffing; EHR and billing\"\u003e\u003cul class=\"fml-scenario-list\"\u003e\n\u003cli\u003ePump fleet\u003c\/li\u003e\n\u003cli\u003eoffice and storage\u003c\/li\u003e\n\u003cli\u003eliability insurance\u003c\/li\u003e\n\u003cli\u003estaffing\u003c\/li\u003e\n\u003cli\u003eEHR and billing\u003c\/li\u003e\n\u003c\/ul\u003e\u003c\/td\u003e\n\u003ctd data-export-value=\"Owned medication inventory; pharmacy infrastructure; larger staff; more working capital; broader service lines\"\u003e\u003cul class=\"fml-scenario-list\"\u003e\n\u003cli\u003eOwned medication inventory\u003c\/li\u003e\n\u003cli\u003epharmacy infrastructure\u003c\/li\u003e\n\u003cli\u003elarger staff\u003c\/li\u003e\n\u003cli\u003emore working capital\u003c\/li\u003e\n\u003cli\u003ebroader service lines\u003c\/li\u003e\n\u003c\/ul\u003e\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr data-scenario-row\u003e\n\u003cth class=\"fml-scenario-row-heading\" scope=\"row\" data-export-value=\"Planning range\"\u003e\u003cspan class=\"fml-scenario-row-heading-inner\"\u003e\u003cspan class=\"fml-scenario-row-icon is-range\" aria-hidden=\"true\"\u003e\u003cimg class=\"fml-scenario-row-icon-img\" src=\"\/cdn\/shop\/files\/scenario-planning-range.svg\" alt=\"\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003e\u003cspan class=\"fml-scenario-row-title\"\u003ePlanning range\u003c\/span\u003e\u003cspan class=\"fml-scenario-row-subtitle\"\u003eCAPEX only\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003c\/th\u003e\n\u003ctd data-export-value=\"Lower funding band\"\u003e\n\u003cstrong class=\"fml-scenario-range\"\u003eLower funding band\u003c\/strong\u003e\u003cspan class=\"fml-scenario-badge is-soft\"\u003eLow cash risk\u003c\/span\u003e\n\u003c\/td\u003e\n\u003ctd data-export-value=\"$240,000\"\u003e\n\u003cstrong class=\"fml-scenario-range\"\u003e$240,000\u003c\/strong\u003e\u003cspan class=\"fml-scenario-badge is-soft\"\u003eOwned assets\u003c\/span\u003e\n\u003c\/td\u003e\n\u003ctd data-export-value=\"Higher funding band\"\u003e\n\u003cstrong class=\"fml-scenario-range\"\u003eHigher funding band\u003c\/strong\u003e\u003cspan class=\"fml-scenario-badge is-warning\"\u003eHigh cash risk\u003c\/span\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr data-scenario-row\u003e\n\u003cth class=\"fml-scenario-row-heading\" scope=\"row\" data-export-value=\"Best fit\"\u003e\u003cspan class=\"fml-scenario-row-heading-inner\"\u003e\u003cspan class=\"fml-scenario-row-icon is-fit\" aria-hidden=\"true\"\u003e\u003cimg class=\"fml-scenario-row-icon-img\" src=\"\/cdn\/shop\/files\/scenario-best-fit.svg\" alt=\"\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003e\u003cspan class=\"fml-scenario-row-title\"\u003eBest fit\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003c\/th\u003e\n\u003ctd data-export-value=\"Fits founders who want a narrow launch with less owned equipment and a lighter office.\"\u003eFits founders who want a narrow launch with less owned equipment and a lighter office.\u003c\/td\u003e\n\u003ctd data-export-value=\"Fits teams that want the full modeled launch and clear payer operations.\"\u003eFits teams that want the full modeled launch and clear payer operations.\u003c\/td\u003e\n\u003ctd data-export-value=\"Fits operators ready to fund scale and absorb more startup risk.\"\u003eFits operators ready to fund scale and absorb more startup risk.\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\u003c\/div\u003e\n\u003cdiv class=\"fml-scenario-table-note\"\u003e\n\u003cspan class=\"fml-scenario-table-note-icon\" aria-hidden=\"true\"\u003e!\u003c\/span\u003e\u003cp\u003e\u003cstrong\u003ePlanning note:\u003c\/strong\u003e Ranges are researched planning assumptions, not vendor quotes or fixed funding offers.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003c\/section\u003e","brand":"FinancialModelsLab","offers":[{"title":"Default Title","offer_id":49303906156787,"sku":"home-infusion-therapy-startup-costs","price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0522\/6191\/2762\/files\/home-infusion-therapy-startup-costs.webp?v=1782684258","url":"https:\/\/financialmodelslab.com\/products\/home-infusion-therapy-startup-costs","provider":"Financial Models Lab","version":"1.0","type":"link"}