Care/Nursing Homes

What Is Care Home Finance?

Care home finance refers to a range of business funding solutions designed specifically for residential care homes, nursing homes, supported living facilities, and specialist care providers. Whether you're acquiring a new site, expanding your existing portfolio, refinancing, or making essential upgrades, access to the right finance is key to sustainable growth.

At The Funding Group, we understand the regulatory, operational and financial pressures of the care industry — and we work with lenders who do too. Our team will help you secure tailored funding quickly, competitively and with full transparency.

Types of Care Home Finance

We offer flexible, sector-specific finance for care home owners and operators:

Care Home Acquisition Finance

Funding to purchase an established care home or acquire another business as part of a growth strategy.

Start-Up & First-Time Buyer Loans

Support for experienced managers, nurses, or investors entering the sector for the first time.

Partner Buy-In / Buy-Out Finance

Finance for partner changes, succession planning or management buyouts (MBOs).

Care Home Refinance

Refinance existing loans to improve terms, reduce monthly payments or release equity for further investment.

Refurbishment & Fit-Out Loans

Capital for property improvements, compliance upgrades, en-suite conversions or capacity increases.

Working Capital Loans

Cash flow support to cover payroll, utilities, agency staff, and unexpected operating costs.

Asset & Equipment Finance

Spread the cost of furniture, specialist medical equipment, or mobility aids.

Typical Terms & Key Features

• Loan sizes: £100,000 to £10 million+

• Terms: 1 to 25 years (depending on product type)

• Rates: Fixed and variable options available

• Security: Typically secured against the property or business assets

• Approval times: Decisions often within 5–10 working days

• Flexible repayment structures to match revenue cycles

We also assist with CQC-registered homes, turnaround cases, and operators with complex ownership structures or previous financial challenges.

Who Can Use Care Home Finance?

Our finance solutions are suitable for:

• Individual operators purchasing their first care home

• Multi-site care groups looking to expand their footprint

• Existing owners refinancing or redeveloping sites

• Supported living providers and domiciliary care services

• Investors acquiring care assets or restructuring portfolios

• Operators seeking funding for compliance upgrades or staff costs

Benefits of Care Home Finance

• Unlock capital for expansion, compliance or operational stability

• Improve cash flow during challenging or seasonal trading periods

• Invest in property upgrades and resident facilities

• Access specialist lenders who understand the care sector

• Get funding fast — with decisions typically in days

• Plan long-term growth with flexible repayment options

Why Choose The Funding Group?

At The Funding Group, we bring deep industry knowledge and access to a wide panel of UK lenders who specialise in healthcare and care property funding.