Finance that knows the CQC framework.
Mobility equipment, commercial kitchens, laundry, fit-out and minibuses — funded by lenders who understand CQC standards, occupancy economics and local-authority funding mix.
£24m+
Funded into UK care
84mo
Typical fit-out term
0%
Deposit on prime kit
60+
Care groups funded
If it earns its keep, we've probably funded one.
Mobility & moving
Hoists, profiling beds, riser-recliners, ceiling tracks, bath lifts. Arjo, Joerns, Invacare, Hill-Rom.
Commercial kitchen
Combi ovens, prep tables, refrigeration, dishwashers, ventilation. Funded as full kitchen refits.
Laundry
Industrial washers, dryers, ironers, sluice machines. Miele Professional, Electrolux, Girbau, Primus.
Fit-out & refurb
Wet rooms, decor, flooring, signage, dementia-friendly design. Bundled with FF&E into one facility.
Minibuses & accessible vehicles
Wheelchair-access minibuses, ambulance conversions, day-trip vehicles. Specialist coachbuilders funded too.
EPOS & care management
Person Centred Software, Nourish, Log my Care — funded with hardware and rollout services.
How care homes & residential deals usually structure.
Typical ticket
£25k – £180k per refurb
Range we fund
£10k hoist programme → £500k extension fit-out
Term
36 – 84 months
Deposit
0 – 10%
Structure
HP for owned kit; lease for fit-out where building is leased; refinance against owned FF&E ahead of acquisitions.
The usual pain.
CQC ratings affect lender appetite
A 'requires improvement' rating closes most lender doors. We use care-sector specialists who'll lend through ratings cycles.
Local authority fees lag
LA-funded residents pay slowly. Lenders unfamiliar with the sector see cash-flow risk where there isn't any. Sector-specialists model fee mix correctly.
Acquisitions need fast capex
New-owner capex programmes start the day completion happens. We can issue conditional approvals pre-completion.
How we structure it.
Care-specialist underwriting
Two of our lenders fund nothing but care, retirement and supported living. Sharper rates, faster credit, no soft-asset cap.
CQC-aware modelling
Lenders who'll lend through 'requires improvement' periods if there's a credible plan and management track record.
Group programmatic finance
Rolling facilities for groups doing 5+ refurbs a year, with pre-approved budgets per home.
Reviewed by UK businesses
Sorted in 36 hours
"Bank wanted three weeks just to look at the file. AssetFi had the agreement signed and the digger paid for in 36 hours. Couldn't fault them."
Genuinely no fees
"I'd been stung by brokers before so I asked twice — really, no fees? Confirmed in writing. Got a sharper rate than my bank too. They've now done four vans for me."
Understood our cash flow
"We needed a CBCT scanner but our last accounts had a bad quarter. AssetFi went to specialist healthcare lenders, came back with three options and explained each properly. Brilliant."
Our panel
Lenders we use for care homes & residential
Independent of any single lender. We place every deal with the funder offering the best fit on rate, structure and speed.
Plus 40+ specialist funders covering challenger banks, asset-specific lenders and tier-2 underwriters. Lender names shown are trademarks of their respective owners.
Questions care homes & residential customers ask.
Will lenders fund through a 'requires improvement' rating?
Some will, with a credible action plan and recent inspection narrative. Care-sector specialists are far more comfortable with this than mainstream lenders.
Can finance cover fit-out as well as kit?
Yes — wet rooms, decor, dementia-friendly redesign and full FF&E can be bundled with the kitchen, laundry and mobility kit into one facility.
Are accessible minibuses fundable?
Yes — we have specialist coachbuilders we work with and lenders who understand the conversion economics. Typically 60-month HP.
What about care groups acquiring new homes?
We can issue conditional approvals pre-completion so capex draws down the day you take the keys. Common alongside acquisition debt from a clinical bank.
Ready to fund the next bit of care homes & residential kit?
Soft search. 24-hour decisions. No broker fees, ever.
Other sectors