A successful grant can be life-changing for the families you serve. It could mean a new wheelchair ramp, a few hours of much-needed respite care, or help covering specialized medical supplies. This is the real impact of grant funding—it directly improves quality of life for both the person receiving care and their family. To get to that positive outcome, however, you first need to master the caregiver grant application. This guide will show you exactly how to prepare a compelling application that clearly communicates your client’s needs and secures the funding they deserve.
Key Takeaways
- Target the Right Grants for a Better Chance: Don’t waste time applying for every grant you find. Increase your odds of success by carefully reading the eligibility rules and focusing only on programs that match your specific caregiving situation, location, and financial needs.
- Prepare Your Documents Before You Apply: A smooth application process starts with preparation. Gather all necessary paperwork, like income verification and medical forms, ahead of time to avoid last-minute stress and ensure you submit a complete and accurate application.
- Have a Backup Plan for Cash Flow: Grant decisions can take months, and funding is never guaranteed. Since your agency’s expenses won’t pause while you wait, it’s essential to have another way to manage cash flow and cover immediate costs like payroll.
What is a Caregiver Grant and Do I Qualify?
A caregiver grant is financial help for someone taking care of another person. Think of it as money that doesn’t need to be paid back, designed to ease the financial strain that often comes with caregiving. This support can cover anything from medical bills to everyday living expenses, helping you focus on providing great care without as much money-related stress. However, not everyone is eligible. Qualifications can be specific and vary between programs, usually depending on the caregiver’s situation, their income, and the needs of the person they’re caring for.
Does Your Caregiving Situation Qualify?
Most grants are created for specific situations. For example, some programs are dedicated to helping those caring for veterans, while others are for parents of children with special needs. Generally, grants often prioritize caregivers helping people with serious disabilities, long-term illnesses, or age-related problems like dementia. The goal is to support those in high-need situations. When you find a grant, read the description carefully to see if your caregiving role matches what the program funds. The National Council on Aging offers resources that can help you identify programs based on your specific circumstances.
What Are the Income Requirements?
Your financial situation is almost always a key factor. Many caregiver grants are need-based, meaning they are intended for individuals and families with lower or moderate incomes. You’ll likely need to provide proof of your household income, like recent tax returns or pay stubs, to show you meet their criteria. Some grants have very specific income caps, so it’s important to check the requirements before you spend time filling out an application. You can use government websites like Benefits.gov to find financial assistance programs you might be eligible for based on your income.
Checking Your Loved One’s Eligibility
The person you’re caring for also has to meet certain criteria. Their eligibility is just as important as yours and is often tied to their age, health, or status. For instance, many grants are for caregivers of older adults, sometimes with specific age requirements, like being over 50 or 65. Other programs might be exclusively for those with a specific diagnosis, like cancer or ALS, or for veterans. Always read the fine print carefully to make sure the person you care for qualifies. The Family Caregiver Alliance is a great place to find state-specific resources and programs that can help you narrow your search.
What Types of Caregiver Grants Are Available?
When you start looking for caregiver grants, you’ll find that they come from a few different places: the federal government, your state government, and private organizations. Each type of grant is designed to help in different ways, whether it’s paying for respite care so a caregiver can take a break or providing a stipend to help with daily expenses. Understanding where the money comes from can help you find the right support for your clients or your agency’s caregivers. While these grants can be a huge help, remember that they often have long application and approval times. If your agency needs immediate funds to cover payroll or other expenses, a merchant cash advance can provide the cash you need in as little as 24 hours.
Grants from Federal Programs
The federal government offers several programs to ease the financial burden on caregivers. One of the most well-known is the National Family Caregiver Support Program (NFCSP). This program provides grants to states, which then distribute the funds to help family caregivers access services like counseling, training, and respite care—which gives them a much-needed short break from their duties. These federal funds are designed to support caregivers who are looking after older adults or individuals of any age with disabilities, helping them provide better care without facing burnout.
Finding Grants in Your State
Many of the most direct financial assistance programs are managed at the state level. Some states have programs that can pay family members or friends to provide daily care, including help with personal tasks, cooking, and cleaning. If the person receiving care is on Medicaid, your state might have what’s called a “consumer-directed personal assistance program,” which allows them to hire a family member as their caregiver. You can learn more about how to become a paid caregiver for a family member through these state-specific options, as the rules and availability vary widely depending on where you live.
Support from Nonprofits and Foundations
Beyond government funding, many private foundations and nonprofit organizations offer grants to support caregivers. These grants are often created for very specific purposes. For example, Road Scholar offers Caregiver Grants that help pay for a loved one’s care while the family caregiver takes an educational trip. Other nonprofits might offer grants to cover medical equipment, home modifications, or transportation costs. It’s worth searching for organizations that focus on the specific illness or disability of the person receiving care, as they often have dedicated funds to help families manage the associated costs.
Example: The Road Scholar Caregiver Grant
The Road Scholar Caregiver Grant is a unique opportunity designed to support family caregivers by providing financial assistance for educational travel programs. This grant is specifically aimed at those who are the primary unpaid caregivers for a sick or disabled family member, allowing them to take a much-needed break while still ensuring their loved ones are cared for.
According to Road Scholar, “these grants help pay for some of the costs of attending a Road Scholar educational travel program,” which can significantly enhance the quality of life for both the caregiver and the person receiving care. The grant can cover up to $2,000 for programs that cost $2,500 or less, making it a valuable resource for caregivers looking to recharge and gain new experiences.
Eligibility for the grant requires that applicants be 50 years or older and the primary unpaid caregiver for a family member who may be receiving home care, hospice, or residing in a facility. This grant not only alleviates financial burdens but also promotes the well-being of caregivers, who often face significant stress and burnout.
Caregivers can visit the Road Scholar website to apply for the grant and find more information. This program is a great example of how targeted financial assistance can directly improve the lives of caregivers and their families.
Financial Support for Veteran Caregivers
Caring for a veteran brings its own unique set of challenges and rewards. Fortunately, there are specific financial support systems in place to help those who care for our nation’s heroes. The Department of Veterans Affairs (VA) offers several key programs designed to provide financial relief, training, and support to family caregivers. Understanding these programs is the first step in helping your clients access the benefits they have earned. These programs can provide a steady stream of income for the caregiver, which can, in turn, help pay for professional home care services from agencies like yours. It’s a win-win, but it requires navigating the VA’s system, which can be complex.
The VA Program of Comprehensive Assistance for Family Caregivers (PCAFC)
The main program offered by the VA is the Program of Comprehensive Assistance for Family Caregivers, often called PCAFC. This program provides direct support to eligible family members who care for veterans. It recognizes the essential role these caregivers play and offers a range of benefits to help them, including a monthly payment. To access these benefits, both the veteran and the caregiver must meet a specific set of criteria established by the VA. It’s not just for spouses; the definition of a caregiver can include a child, parent, or even an extended family member who lives with the veteran.
Eligibility Requirements for Veterans and Caregivers
To qualify for the PCAFC, the veteran must have a VA disability rating of 70% or higher and need at least six months of continuous, in-person personal care. This means they require help with daily activities like bathing, dressing, or managing medications. The caregiver also has to meet certain requirements. You must be at least 18 years old and either be a family member or be willing to live full-time with the veteran. The VA’s goal is to ensure the veteran has a dedicated and capable person supporting their needs at home.
Benefits for Primary and Secondary Caregivers
The PCAFC designates one Primary Family Caregiver and up to two Secondary Family Caregivers. All eligible caregivers can receive training, mental health counseling, and financial assistance for travel when accompanying the veteran to appointments. However, the Primary Family Caregiver receives additional, more substantial benefits. These include a monthly stipend, access to health care coverage through CHAMPVA if they don’t already have it, and at least 30 days of respite care per year. This respite care allows the primary caregiver to take a break while the veteran is cared for by someone else.
How to Apply for the VA Caregiver Program
The application process for the PCAFC requires a joint effort from both the veteran and the caregiver. You can’t apply on behalf of the veteran; you must do it together. The process involves submitting an application, completing an assessment, and undergoing training. While it can seem like a lot of steps, being prepared can make it much more manageable. The VA provides clear instructions, and you can submit the application online, by mail, or in person at a local VA medical center, making it accessible for everyone.
The Application and Follow-Up Process
Once you and the veteran apply together, a VA team will contact you to review the application and schedule an assessment. This usually involves a home visit to understand the veteran’s care needs and the home environment. The caregiver will also need to complete required training to ensure they are prepared for their role. After these steps are finished, the VA will make a final decision, typically within 90 days of receiving the completed application. It’s important to be responsive to any requests from the VA to keep the process moving forward.
Important Application Tips
To ensure a smooth application process, gather all your documents ahead of time. This includes the veteran’s discharge papers (DD214), proof of relationship, and any medical records that detail the veteran’s need for care. When filling out the application, be as detailed and honest as possible about the veteran’s daily needs and the type of support you provide. Don’t downplay the amount of help required. Clearly explaining the day-to-day realities of caregiving will give the VA a complete picture and strengthen the application.
Other VA Programs for Caregivers
The PCAFC is the most well-known program, but it’s not the only option for financial support through the VA. If a veteran or caregiver doesn’t qualify for the comprehensive program, there are other avenues to explore. These alternative programs offer different types of assistance, from flexible budgets for hiring caregivers to additional monthly payments for those with a VA pension. It’s worth looking into all available options to find the best fit for your client’s specific situation and needs.
Veteran-Directed Home and Community-Based Services
The Veteran-Directed Home and Community-Based Services program offers a different kind of flexibility. This program gives veterans a budget to manage their own care. They can use these funds to hire a caregiver of their choice, including a family member, to help with daily activities. This approach empowers the veteran to create a care plan that works best for them, giving them control over who provides their care and how the funds are spent. It’s a great option for veterans who want to remain independent at home but need some assistance.
Aid and Attendance Benefits
For veterans and survivors who are already receiving a VA pension, the Aid and Attendance program can provide an extra layer of financial support. This benefit is a monthly, tax-free payment added on top of the existing pension. It’s designed for those who need help with daily activities, are bedridden, or reside in a nursing home. This additional money can be used to help cover the costs of a caregiver, whether it’s a family member or a professional from a home care agency.
State and Other Financial Support Options
Beyond federal programs for veterans, there are other financial resources available that can help caregivers. These options come from state governments, private insurance, and programs designed for specific populations, like parents of children with disabilities. These avenues can be especially helpful for families who may not qualify for VA benefits or who need to supplement the support they already receive. As a home care agency, being aware of these different funding streams allows you to be a more valuable resource for all the families you serve, guiding them toward the financial help they need to afford consistent, quality care.
State-Level Paid Family Leave
A growing number of states have created paid family leave programs. These state-mandated insurance programs provide employees with paid time off to care for a seriously ill family member. While this isn’t a long-term solution, it can provide a crucial financial bridge for a caregiver who needs to take time off from their job to provide short-term, intensive care. The eligibility rules and benefit amounts vary significantly from state to state, so it’s important to check the specific laws where your clients live. This can be a lifeline for families facing a sudden health crisis.
Programs for Parents of Children with Disabilities
For caregivers of children with disabilities, there are specialized financial support systems available. Many of these are funded through Medicaid waivers, which allow states to offer services not typically covered by Medicaid. These programs can sometimes pay a parent to be their child’s primary caregiver, especially if the child has complex medical needs that would otherwise require institutional care. Organizations like Parent to Parent USA offer resources and support networks that can help families find and apply for these state-specific programs, connecting them with the financial assistance needed to care for their child at home.
Long-Term Care Insurance
Long-term care insurance is a private insurance option that can be a significant source of funding for home care. If the person receiving care planned ahead and purchased a policy, it can cover the costs of a home care aide, adult day care, and other services. These policies vary widely in what they cover and how benefits are paid out. It’s important for families to review the policy documents carefully to understand the terms, including any waiting periods before benefits begin. For those who have it, long-term care insurance can make professional home care a sustainable and affordable option.
How This Affects Home Care Agencies
As a home care agency owner, understanding these different funding streams is about more than just being helpful—it’s a core part of supporting your clients and ensuring the stability of your business. When you can guide a family toward a grant or benefit program, you’re not just providing information; you’re helping them find a sustainable way to afford the care they need. This knowledge positions your agency as a trusted partner in their care journey. It also directly impacts your agency’s financial health by creating more stable, long-term client relationships.
Supporting Your Caregivers and Clients
By familiarizing yourself with these programs, you can empower both your clients and your own caregivers. For clients, you can provide them with checklists, links to applications, and guidance on where to start. This can make a stressful process feel more manageable and builds immense trust. For your staff, especially those who may be family caregivers themselves, this information can be a valuable employee benefit. Hosting a workshop or providing a resource guide on caregiver grants shows that you care about their well-being both inside and outside of work, which can improve staff retention and morale.
Managing Agency Cash Flow Amid Payment Delays
While families explore grants and benefits for individual caregivers, home care agencies often face their own financial hurdles. Delays in Medicaid, Medicare, or private pay reimbursements can put a serious strain on your ability to cover payroll and other operational costs. These payment gaps are a common challenge in the home care industry. At Funding4HomeCare, we understand these specific timing issues because we work exclusively with agencies like yours. We provide fast merchant cash advances to ensure you have the working capital you need to continue providing excellent care without interruption. While you wait for reimbursements to come through, you can get funding in as little as 24 hours to keep your agency running smoothly.
What Do I Need for My Caregiver Grant Application?
Getting your paperwork in order is a crucial step when applying for a caregiver grant. Being prepared will make the process much smoother and shows the grant provider you’re a serious applicant. Think of it as telling your story through documents—each one helps paint a picture of your situation and why you need support. Most programs ask for similar information, so once you gather these documents for one application, you’ll be ahead of the game for others. Let’s walk through exactly what you’ll need to have on hand.
Your Financial Paperwork Checklist
First, you’ll need to show your financial situation. Grant providers need this to confirm that you have a genuine financial need, so be ready to provide documents like recent pay stubs, your latest tax return, and bank statements. The goal is to give them a clear and honest look at your income and expenses. Some programs may also ask for proof of other benefits you receive. Providing this necessary documentation is a standard part of the process. It’s just a way to ensure the funds go to those who need them most.
Proof of Care and Medical Needs
Next, you’ll need to provide information about the person you’re caring for. This is to verify their medical condition and their need for your help. The most important document is usually a medical certification from their doctor. This is a formal note that explains their diagnosis and confirms they require care. You might also need to provide documents that prove your relationship to them, like a birth or marriage certificate, especially for family caregiver programs. This information helps the grant committee understand the level of care you provide.
Your Personal and Household Information
Finally, you’ll be asked for personal information about yourself and your household. This helps the grant provider get a complete picture of your life and responsibilities. Be prepared to share details like your address, the number of people living in your home, and your total household income, which you’ll usually fill out on the application form. For example, applications for the VA Caregiver Program collect these personal details to see if you qualify. It’s all part of helping them understand your unique circumstances and how the grant could make a difference.
Your Step-by-Step Caregiver Grant Application Guide
Applying for grants can feel like a huge task, but breaking it down into smaller steps makes it much more manageable. Think of it as a checklist to work through. By being organized and paying attention to the details, you can put together a strong application that stands out. Here’s how to get started.
Step 1: Find the Right Grant for You
Your first step is to do a little research to find grants that are a good match for you and the person you care for. Don’t just apply for the first one you see. Look for programs from federal, state, and local governments, as well as private nonprofit groups. The Administration for Community Living is an excellent place to start your search for government-backed programs. Read the eligibility rules for each grant carefully to make sure your situation fits what they’re looking for. Focusing on the right grants from the beginning will save you a lot of time and effort.
Step 2: Fill Out the Application with Confidence
Once you’ve found a promising grant, it’s time to tackle the application. This is where attention to detail is key. Read every instruction and question carefully before you write your answer. Make sure you fill out every single section completely and honestly. A small mistake or a missed question can cause your application to be delayed or even denied. It’s always a good idea to have someone else look it over before you submit it. Taking your time on this step can make all the difference.
Step 3: Submit Your Paperwork on Time
Nearly every grant application will ask you to provide supporting documents. Start gathering these as soon as you decide to apply. Common paperwork includes proof of your income, medical records for the person receiving care, proof of your address, and documents that show your relationship to them. Make a checklist of everything you need so you don’t forget anything. Pay close attention to the submission deadline—late applications are almost never accepted. Using a tool like the National Council on Aging’s BenefitsCheckUp can also help you identify what documents you might need for various programs.
Step 4: What to Do After You Apply
After you’ve hit “submit,” the waiting begins. It’s a good idea to keep a record of when you applied and any confirmation number you received. Many programs offer an online portal where you can check the status of your application. If you haven’t heard anything after a few weeks and there’s no way to check online, it’s okay to send a polite email or make a call. Just be sure to have your application information handy. Following up shows that you’re serious and organized, but be patient, as these things often take time.
Stuck on Your Application? Here’s What to Do
Applying for grants can feel like a marathon, and it’s easy to hit a few hurdles along the way. The good news is that most of these challenges are completely manageable with a bit of planning. Let’s walk through some of the most common issues home care agencies face when seeking grant funding and, more importantly, how you can solve them. Think of this as your game plan for getting through the application process smoothly.
The key is to anticipate these roadblocks so they don’t catch you off guard. From tangled paperwork to the nail-biting wait for a decision, being prepared helps you stay focused on the goal: securing the funding your agency needs to thrive. With the right approach, you can handle these challenges and position your application for success.
Making Sense of Confusing Paperwork
Grant applications are notorious for their mountains of paperwork. It’s easy to feel overwhelmed by dense instructions and endless forms. The language can be confusing, and a simple mistake could get your application tossed out. Don’t let the paperwork intimidate you. The first step is to read everything—and I mean everything—before you fill out a single line. Create a checklist of every document and piece of information required.
If you’re stuck, don’t guess. Many local organizations and small business development centers offer free or low-cost assistance with grant writing. These experts can help you make sense of complex requirements and review your application before you submit it. Taking the time to get a second pair of eyes on your work can make all the difference.
What to Do About Long Waits and Limited Funds
This is often the hardest part: you’ve submitted your application, and now you wait. It can take weeks, or even months, to hear back about a grant, and that delay can put a serious strain on your agency’s cash flow. Payroll, marketing, and other operational costs don’t stop just because you’re waiting for a decision. On top of that, grant funding is highly competitive. Not every agency that applies will receive an award because there simply isn’t enough money to go around.
To manage this, it’s smart to apply for several grants at once to increase your chances. More importantly, you need a solid cash flow management plan that doesn’t depend solely on grant money. While you wait, you still need a reliable way to cover your expenses. Having a backup funding source in place ensures your agency can continue to operate and grow without interruption.
Understanding Local Rules and Reporting Requirements
Many grants are only available to agencies operating in specific states, counties, or even cities. It’s frustrating to spend hours on an application only to find out your agency isn’t eligible based on location. Always confirm the geographic requirements before you start. Websites like Grants.gov allow you to filter opportunities by location, which can save you a lot of time and effort.
Getting the grant isn’t the final step, either. Most grantors require regular updates or reports to show how you’re using the funds. Be prepared for this from the start. Set up a system to track the required metrics and schedule reminders for when reports are due. Staying organized and compliant is crucial for keeping your funding and maintaining a good relationship with the grantor for future opportunities.
Where to Get Help with Your Caregiver Grant Application
Figuring out grant applications can feel like a full-time job, but you don’t have to do it all by yourself. Plenty of organizations and resources are available to guide you through the process, from finding the right grant to making sure your paperwork is perfect. Knowing where to turn for help can save you a lot of time and frustration.
Think of these resources as your support team. They exist to help caregivers get the funding they need. Whether you have a quick question about a form or need someone to walk you through the entire application, there’s an option for you. Tapping into this support can make a huge difference in your success. Below are some of the best places to find the assistance you need.
How Local Agencies Can Help
A great place to start your search is with government programs. Many federal, state, and local agencies offer direct support to caregivers. For instance, some programs can pay family members or friends to help with daily tasks like personal care, cooking, and cleaning.
If the person you’re caring for has Medicaid, your state might have what’s called a “consumer-directed personal assistance program.” These programs are designed to give individuals more control over their care by allowing them to hire and manage their own caregivers, who can often be family. Check your state’s Medicaid office or Department of Health and Human Services website to see what’s available in your area.
Finding Support from Nonprofits
Nonprofit organizations are another fantastic resource for caregivers. Many are dedicated specifically to providing financial aid, educational materials, and emotional support. They understand the challenges you face and have programs designed to help you manage them.
Organizations like the National Family Caregiver Support Program (NFCSP) and the Family Caregiver Alliance offer money, advice, and even respite care to give you a much-needed break. These groups often provide grants directly or can point you toward other sources of financial support. They are experts in the field and can offer personalized guidance to help you find the right grant for your specific situation.
Local Area Agencies on Aging (AAAs)
Your local Area Agency on Aging, or AAA, is one of the best-kept secrets for caregiver support. These are local offices dedicated to helping older adults and their caregivers find the resources they need right in their own community. Think of them as your local connection to a wide range of services, from meal delivery and transportation to in-home care assistance. They can help you navigate the system and find programs you might not even know exist. Many of these agencies can also provide information on state-specific programs that pay family members to provide care, helping to ease the financial strain on your clients’ families.
National Support Organizations and Helplines
Sometimes, you need guidance from experts who have a nationwide view of the resources available to caregivers. National nonprofit organizations and helplines are set up to do just that. These groups are often focused on specific diseases or caregiving situations, and they provide a wealth of information, from financial aid opportunities to emotional support groups. They understand the unique pressures that come with caregiving and have created programs to help families manage them. Tapping into these national networks can connect you with specialized grants, educational materials, and a community of people who know exactly what you’re going through.
VA Caregiver Support Line
If you or your clients are caring for a veteran, the U.S. Department of Veterans Affairs (VA) has a dedicated support system just for you. The VA Caregiver Support Line is a fantastic resource staffed by people who can answer your questions about benefits and connect you with local help. They can provide information about the VA Family Caregiver Assistance Program, which offers a monthly stipend, health insurance, and other support to eligible caregivers. This program can be a game-changer for families, and the support line is your first step to understanding the application process.
AARP Caregiving Resource Center
AARP is a trusted name for a reason, and their Caregiving Resource Center is packed with practical tools and information. It’s a one-stop shop for articles, checklists, and guides on everything from managing medical care to handling legal and financial matters. The center is designed to help you find the answers you need quickly, including tips on how to find financial assistance to help pay for care. Whether you’re just starting or have been a caregiver for years, it’s a resource worth bookmarking for reliable, easy-to-understand advice.
ARCH National Respite Network
Every caregiver needs a break, but finding temporary, trustworthy care can be a challenge. That’s where the ARCH National Respite Network comes in. This organization is focused on helping caregivers find respite care services in their area. Respite care provides short-term relief, allowing a family caregiver to rest, run errands, or just recharge. The ARCH website has a national respite locator tool to help you find local programs and providers, making it easier for caregivers to get the essential break they need to continue providing great care.
Using Online Tools and Professional Help
The internet has made it much easier to find and apply for grants. Many organizations now have online portals where you can fill out and submit your application directly. For example, some foundations offer Caregiver Grants with simple, downloadable application forms on their websites. These online tools can streamline the process and make it easier to track your application’s status.
Before you start filling out forms, make sure you have all your paperwork ready. You’ll typically need documents like proof of income, the care recipient’s medical records, and proof of your relationship to them. Having everything organized ahead of time will make the application process go much more smoothly.
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Frequently Asked Questions
How long does it actually take to get money from a grant? This is the most important question, and the honest answer is that it takes a while. From submitting your application to actually receiving funds can take several months, and sometimes even longer. The process involves review periods, committee decisions, and processing time, none of which happen quickly. Grants are fantastic for planned projects, but they aren’t a solution for immediate cash flow needs.
Can my home care agency apply for these grants directly? It depends on the specific grant. Some grants are designed for organizations and businesses, like your agency, to fund things like training programs or new equipment. However, many of the grants discussed are intended for individual family caregivers to help with their personal expenses. Always read the eligibility requirements carefully to see if the grant is for a person or a business before you apply.
What’s the most common reason grant applications get rejected? The most frequent issues are surprisingly simple: not following instructions and failing to meet the eligibility criteria. An incomplete form, a missing document, or applying for a grant your agency doesn’t qualify for are the fastest ways to get a denial. Taking the time to read everything thoroughly and double-checking your work before you hit submit can save you from these common mistakes.
Are grants a good way to cover regular expenses like payroll? Generally, no. Most grants are awarded for a specific purpose, like launching a new service or buying specialized equipment, rather than for covering day-to-day operational costs. Because the funding is competitive and the timing is so unpredictable, grants are not a reliable source of money for something as critical and time-sensitive as making payroll every two weeks.
Is it better to hire a professional to write the grant application? For large, complex federal grants, a professional writer can be a huge help. But for many smaller grants from private foundations or local organizations, you can absolutely handle the application yourself. If you are organized, pay close attention to the details, and tell a clear story about why you need the funds, you have a strong chance of success without the extra expense.
