🏥 Care Home Finance

Care homes are regulated businesses with complex operating requirements — which means financing them requires lenders who genuinely understand the sector. CQC ratings, occupancy levels, fee mix, and operator covenant all influence lender appetite and pricing in ways that mainstream commercial lenders simply aren't equipped to assess.

What Healthcare Lenders Focus On

• CQC rating — Outstanding or Good rated facilities attract the best terms. Requires Improvement significantly restricts options
• Occupancy rate — lenders typically want to see sustained occupancy above 80%
• Fee mix — private-pay residents command higher fees and are more predictable than LA-funded placements
• Number of beds — 30+ beds is typically where more lenders engage
• Operator experience — an experienced registered manager and operator group is essential

Finance Types Available

• Bridging loans for acquisitions where refurbishment or stabilisation is required
• Development finance for new-build care home schemes
• Healthcare term loans for stabilised, trading facilities
• Refinancing to release equity for portfolio expansion