Care Home Business Loans & Care Home Finance
Check eligibility
in 20 seconds
Apply online
in 2 mins
Decisions in
less than 1hr
Borrow between
£10,000 - £250,000
No fees to
settle early
Fast, Flexible Finance for Care Homes
Runing a care home requires constant investment, from maintaining high-quality facilities to managing staffing costs and meeting CQC compliance standards. Whether you operate a residential home, nursing home or specialist care facility, securing the right finance is essential to keep services safe, stable and focused on delivering outstanding care.
A care home business loan provides fast access to the capital needed to refurbish rooms, upgrade clinical equipment, expand capacity or support cashflow without placing pressure on working capital. With simple applications, quick decisions and flexible repayment options, care home finance lets you invest with confidence while keeping day-to-day operations running smoothly.
What is Care Home Finance?
Care Home finance is a type of business funding designed for operators needing support with refurbishment, staffing, equipment purchases, compliance upgrades or expansion. Instead of covering these costs upfront, you can borrow what you need and repay it over a fixed term, helping you manage investment while maintaining steady cashflow.
Funding can be used for a wide range of needs, including room upgrades, accessibility improvements, specialist beds and hoists, nursing equipment, staff costs and general operational expenses. Loan amounts typically range from £10,000 to £500,000 depending on trading history, occupancy and affordability.
How Does Care Home Finance Work?
1. Apply in Minutes
Lenders usually request:
- Six months of business bank statements
- Your most recent year-end accounts
- Occupancy levels and fee structure
- CQC rating and any improvement plans
Providing clear information helps lenders move quickly through assessment.
2. Lender Assessment
Care home underwriting focuses on several key areas:
- Your experience and track record in care
- CQC rating and recent inspection history
- Occupancy levels and fee mix (private/NHS/local authority)
- Affordability based on current and projected revenue
This ensures the finance structure supports both regulatory requirements and ongoing operations.
3. Repayments
Once approved, funds are released and you can move forward with improvements or operational support. Repayments typically include:
- A fixed monthly repayment schedule
- Loan terms from 1 to 5 years
- Unsecured or secured options
- Rates aligned with affordability and risk
This gives you predictable monthly costs while maintaining financial stability.
When Should You Use Care Home Finance?
Care home loans are ideal when you want to invest in improvements or stabilise cashflow without disrupting resident care. Common situations include:
- Refurbishing rooms, bathrooms and communal spaces
- Meeting CQC compliance or fire safety requirements
- Upgrading medical and mobility equipment
- Managing staffing or agency costs
- Expanding capacity or reopening unused rooms
- Supporting cashflow while waiting for local authority payments
- Funding accessibility improvements and specialist care facilities
These loans work best when the home has reliable occupancy and a clear plan for how funds will support resident care and operational performance.
Who Is Eligible for Care Homes?
Care home finance may be suitable if:
- You have experience in running or managing a care home
- The home has stable occupancy levels
- Your accounts show consistent revenue
- You can demonstrate repayment affordability
- You hold a “Good” or “Outstanding” CQC rating or have a clear improvement plan
- You have quotes or documentation for refurbishment or equipment purchases
A deposit or property backing can strengthen applications, but many lenders offer unsecured options.
Why Choose Century for Your Business Finance?
Our business loans are simple, flexible, and designed to help your practice grow. Whether you need funding for expansion, new equipment, staff training, or day-to-day operational costs, we’ve got you covered.
Borrow from £10,000 to £250,000
Whether it’s a small operational boost or a major upgrade, we have you covered.
Unsecured Loans
No need to use your assets as collateral—focus on providing the best care to your residents.
Flexible Terms
Repay at a pace that works for you, with terms ranging from 6 months to 5 years.
Check Eligibility and Apply Online
Our user-friendly online tools let you quickly check eligibility and submit your application without hassle.
Early Settlement Allowed
Manage your loan your way with the option to pay it off early without additional charges.
Same-Day Funding
Get access to funds on the same day as approval, ensuring your care home’s needs are met without delay.
Ready to Fund Your Care Home?
If you’re looking for fast, flexible care home finance, our team is here to help. We compare lenders across our panel and match you with the most suitable options for your goals. Make your care home’s vision a reality with Century, your trusted partner in business finance.
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