Payroll Runway: Timing Owner Pay, First Payroll, and Medicaid Delays Without Running Out of Cash
Founders stall or burn out not from poor care but from predictable timing mismatches: license issued, first caregiver payroll due, owner draw expectation, and Medicaid enrollment still pending. In this episode Daniel, Claire, and Sophia run a tight, tactical playbook for building a 90-day payroll runway, deciding when (and how much) the founder can safely pay themself, and structuring cash reserves so a 60–180+ day Medicaid enrollment window doesn’t force layoffs. This is not theoretical: we cite Scott McKenzie’s experience across HCAB’s 531+ licensed agency launches, and walk through a…
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