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.
Helpful next steps for care homes & residential businesses.
Explore the asset, agreement type, planning tools and guide most relevant to the equipment you are considering. The case study above shows a real example from this sector.
Catering equipment finance
Explore finance options for commercial kitchens and food-service equipment.
ExploreDental equipment finance
Read an adjacent specialist-equipment funding page for clinical assets.
ExploreFinance lease
Read about an asset-use structure for business and specialist equipment.
ExploreMonthly-cost calculator
Model indicative payment scenarios before discussing a care-facility investment.
ExploreClinical equipment case study
See a real specialist-equipment funding case from a healthcare setting.
ExploreMedical equipment guide
Read a guide to planning finance for specialist and clinical equipment.
ExploreQuestions 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?
Tell us about your asset and business circumstances to discuss suitable funding options. Read our commission disclosure.
Sector hub
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