Staffing and agency costs
Fund the gap created by agency rates, recruitment drives and rising wage costs.
Care sector finance
Care home finance and care home business loans
Residential, nursing and specialist care providers face rising staffing costs, compliance-driven works and local authority payment timing that rarely helps. We arrange practical funding to keep the home running well and the inspectors satisfied.
Facilities from £5,000 to £250,000+ over 3 to 72 months. No upfront fees — we are paid by the lender.
FCA Regulated · FRN 1000382
Trusted by UK professional practices
Specialist lender panel
Independent brokerage
What we fund
How we fund care homes practices
Practical, everyday funding — not complicated structures. If it keeps the practice running or helps it grow, there is usually a lender for it.
CQC-driven refurbishment and compliance
Cover fire safety, infection control, accessibility and inspection-driven improvement works.
Equipment, beds and handling kit
Fund profiling beds, hoists, moving and handling equipment and assistive technology.
Refurbishment and room upgrades
Improve rooms and communal areas to support occupancy and fee rates.
VAT, tax and HMRC bills
Spread tax liabilities monthly rather than paying them in one lump.
Lines of credit for uneven cashflow
A standby facility for the months when local authority payments and payroll do not line up.
Why Practice Capital
Where the high street stops, we start
Care is a sector banks find difficult to underwrite quickly. We work with lenders who understand occupancy, fee mixes and the regulatory pressures behind a capital request — and who can move at the pace a home actually needs.
- Specialist lender panel
- A quick, personal response from your specialist broker
- We work in the second string, behind the banks — not just A+ credit
- FCA regulated credit broker, FRN 1000382
- No upfront fees — the lender pays our commission
Typical scenarios
What care homes clients come to us for
Illustrative examples of the kinds of requirements we handle. Full case studies coming soon.
Compliance works before inspection
A residential home funded fire safety and infection-control works ahead of a scheduled inspection.
Agency cost bridge
A nursing home funded three months of elevated agency spend while a permanent recruitment drive completed.
Room refurbishment
A specialist provider refurbished eight rooms, supporting both occupancy and fee rates.
FAQs
Care Homes finance questions, answered
- Can care homes get unsecured business finance?
- Yes, subject to trading history and occupancy. Larger facilities may be secured against property or equipment, but unsecured working capital is widely available.
- Can we fund CQC-driven improvement works?
- Yes. Compliance-driven refurbishment is one of the most common reasons care providers come to us, and lenders view it as necessary rather than discretionary spending.
- Do you work with single homes as well as groups?
- Yes. Single sites, small groups and specialist providers are all sectors we arrange funding for.
- How much can a care home borrow?
- Typically £5,000 to £250,000 and above, over three to seventy-two months, depending on turnover, occupancy and purpose.
Other sectors we fund
Next step
Find out what your care homes practice could raise
A short enquiry, an honest answer and a quick response from your specialist broker. No obligation and no upfront fees.