Care Home Loans
Grow, Buy, Refinance, Settle Payroll, Bridge for Council Invoices.
- Rapid, flexible, and tailored financing for care homes across the UK.
- Borrow up to £2 million
- Get approved the same day you apply
- Access to excess capital in as little as 3 hours
- Flexible terms and repayment options
- Expert advisers with real-world care sector experience
Get a FREE Quote
How We Can Help You
The UK’s care sector is growing faster than ever. An ageing population and greater demand for residential and specialist care make running a care home a significant opportunity, but also a capital-intensive challenge.
Mainstream high-street banks often don’t understand the nuances of the care sector: occupancy cycles, CQC inspections, staffing ratios, the need to settle down payroll, council invoices or the costs of adapting facilities. Applications drag on, or you’re offered restrictive terms.
We are different. We specialise in care home finance. We have a fast application process that gives you a faster decision, manageable rates that meet your care home’s needs, so you can focus on providing excellent care, not fighting for funding.
Is Our Care Home Eligible?
While every lender has its own policies, most will consider:
- Loan Size: Typically £10,000 to £2 million, depending on your care home’s size, value and cash flow.
- Loan Term: 1 to 10-year terms, with flexible payment terms to suit your cash flow.
- Business Accounts: 6 months of business account statements.
- Additional Documentation: We also need the director’s details, home address, date of birth, and email address
We simplify the process. Our experts will quickly assess your application and, if you’re successful, you can receive your funds in as little as 3 hours.
Care Home Loans Designed for Your Business
Get the funding your care home needs with loans from £10,000 to £2 million. Whether you’re buying, expanding, or managing day-to-day costs, our loans provide a quick injection of capital to grow, improve, or stabilise your care home business.
Refinance Existing Debt
Lower your repayments, consolidate multiple loans, or release equity for improvements. Even if your care home has seen ups and downs, we can secure better terms to free up cash flow.
Expand or Renovate
Upgrade rooms, add a new wing, or improve energy efficiency. Additional or top-up loans let you grow your facilities without disrupting daily operations.
New Build/Development Loans
Build from the ground up with confidence. We offer staged fast access to a lump sum payout to ease your cash flow pressures in expansions and construction projects.
Working Capital Support
Bridge short-term gaps, fund staff training, or invest in marketing. Flexible unsecured options help you keep your care home running smoothly.
Payroll & Staff Cost Support
Working Capital Support
A Simple, Fast Application Process
Running a care home is demanding; securing funding shouldn’t slow you down. That’s why we’ve streamlined our process to get you the capital you need, quickly and with minimal friction.
Approval the Very Same Day: Most applicants receive indicative terms the same day they submit their application, allowing them to plan their next steps without delay.
Funding Quickly: Once approved, funds can be received the same day (in as little as 3 hours), helping you seize opportunities or cover urgent expenses without delay.
Step 1: Submit Your Application
Choose your preferred loan option and provide essential documents, including business bank account statements and profit and loss statements, as well as the director’s personal details. Clearly outlining the purpose of the funding helps us tailor your application.
Step 2: Approval
Receive indicative terms quickly, often within hours of applying.
Step 3: Access Your Funds
Funds can be transferred directly into your account the very same day, subject to availability.
Why Choose Us for Care Home Loans?
Fast Access to Funds
We know that timing is crucial for care homes. Once your application is approved, we move quickly; funds can be in your account within 3 hours, so you can act on growth opportunities, urgent expenses, or facility improvements without delay.
Tailored Loans
No two care homes are the same. We customise loans to suit your business needs, whether you’re borrowing £10,000 to £2 million for expansion, renovation, refinancing, or working capital. Flexible terms and top-up options mean your funding can grow as your care home does.
Repayments That Work for You
Our repayment plans are designed around your cash flow. Choose daily, weekly, or monthly instalments to make managing your loan simple and stress-free.
Apply for a Care Home Loan Today
Ready to secure funding for your care home project? We’re here to make it quick, simple and stress-free.
FAQ
What types of care home loans are available?
We offer loans for buying, refinancing, expanding, renovating, new build projects, and working capital support. Loans are structured around your cash flow and business needs.
How much can I borrow?
Loan amounts typically range from £10,000 to £2 million, depending on your care home’s size, property value, and projected cash flow.
What are the typical repayment terms?
Repayment terms usually range from 1 to 10 years, with flexible instalment options to suit your cash flow, including daily, weekly, or monthly payments.
What are the repayment terms?
Typical documentation includes:
- Last 6 months of business bank statements
- The latest 1-year profit and loss statement
- Director’s personal details, including home address
- Email Address
- Date of Birth
- Personal ID (driver’s license is acceptable)
What documents will I need to apply for?
- Business Details
- 6 Months of Business Bank Statements
- Director’s Email Address
- Director’s Date of Birth
- Director’s ID (Driving License)
Who is eligible for a care home loan?
Any UK-based care homes that can provide a minimum of 6 months of business accounts and 1 year of profit and loss accounts.
How long does the application process take?
Indicative offers are often provided the same day you apply, subject to availability. Full approval and funding usually reaches your account in as little as 3 hours.
Can I refinance an existing loan?
Yes, we can help lower your monthly repayments, consolidate multiple loans, or release equity for improvements, even if your care home has experienced fluctuating performance.
Are there any upfront fees or hidden charges?
No, we provide a transparent fee structure, so you’ll know exactly what you’ll pay before committing.
Can I get funding for a new build or renovation?
Absolutely, we arrange staged drawdowns and interest-only options during construction to ease cash flow pressures while developing or upgrading your care home.
What support will I get during and after the loan?
Our advisers guide you through the entire process and remain available for future refinancing, expansion, or additional funding needs.
Location
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Important Notice: We exclusively provide unregulated finance solutions to limited companies incorporated in the UK. We do not offer regulated financing. For more information, please contact our customer support team.