Cash advances for UK care homes.
For residential, nursing, and dementia specialist homes, plus assisted living and domiciliary care. Funded against your card takings, private-pay fees, resident top-ups, and remittance-backed revenue.
A note on the lender panel for care.
Not every MCA lender covers care. Some carve out healthcare-related sectors from their appetite entirely. Others will fund but weight CQC rating heavily. An Inadequate or Requires Improvement rating will narrow your panel significantly. Good ratings open the full panel. We'll tell you what your panel looks like based on your rating before we quote.
Why care homes fit MCA.
Care homes have exactly the revenue profile MCA lenders like. Regular private-pay fees charged to cards. Resident top-ups that come through each month. NHS and council remittances that are predictable even when they're slow. A card mix that lenders can model because it's consistent across the year. Care isn't seasonal. The catch is it's often slow money. Fees get charged now, remittances arrive 30 to 45 days later. MCA bridges that gap without disrupting the cash flow pattern. You take a percentage of card takings until the advance is repaid, and the remittance side keeps flowing to your operating account. Common uses: agency staffing cover during recruitment gaps or sickness spikes; CQC-required refurbishment or equipment upgrade; new wing fit-out or room conversion; digital care records system migration; sudden compliance spend (fire safety, infection control); insurance excess or unexpected deposit for a new contract.
Sound familiar?
Agency staffing spike during a recruitment gap or sickness wave.
A two-week run on agency cover can wipe out a month of operating margin. Recruitment to permanent rota takes 6 to 12 weeks even when the candidates are good.
MCA covers the agency bill now and repays from card takings as the rota stabilises. Your remittance income keeps flowing to your operating account, untouched.
CQC-required refurbishment or compliance upgrade.
An inspection action notice on fire safety, infection control, or environmental standards needs spending now, not after the next council remittance lands. Council approval cycles don't match CQC timelines.
MCA funds the upgrade in 48 hours from accept. Repayment comes from card takings. No property charge, no committee process. The home stays compliant and the financial side resolves itself over the next few months.
Digital care records or systems migration.
Moving from paper to electronic care records, or upgrading to a new compliant system, is £8k to £40k including hardware, training, and parallel-run staff time.
MCA spreads the cost over takings so the migration doesn't have to wait for budget approval. ROI shows up in inspection scores and staff time saved within the first quarter.
Here's what it actually costs.
A 32-bed residential home borrows £40,000 to cover an agency staffing spike and complete a fire safety upgrade flagged at the last inspection. Monthly card-paid private fees and top-ups: £45,000. £40,000. Average monthly card takings £45,000. Fixed cost 1.26. 10% daily repayment % on card sales, total cost £10,400.
These figures are illustrative. If a term loan or asset finance fits your situation better, we'll tell you.
Open the fixed cost calculator →Work out the real cost.
New businesses typically start at a higher daily % and a shorter term.
Illustrative only, not a quote.
- Advance£40,000
- vs card takings89%
- Fixed cost1.26
- Daily repayment£148
- Avg monthly£4,500
- Est. term11.2 months
Illustrative. The fixed cost is set on day one; daily repayment varies with takings. Term capped at 18 months.
Illustrative only, not a quote. Every figure here is subject to the funder. Funders advance anywhere from 100% up to 150% of monthly card takings, so 150% is not guaranteed, and the fixed cost is not guaranteed either. Your actual advance, fixed cost and terms depend on the funder and your business profile.
Works with Dojo · Square · Zettle · SumUp · Stripe Terminal · PDQ · Yeti Pay · Teya · Barclaycard
*** THANK YOU ***
Apply with these numbersCare homes, quick answers.
Some lenders will, most won't. We'll tell you honestly what's available before you apply. Sometimes a term loan from a specialist healthcare lender is a better route, Funding Flow handles that side.
Ready when you are
Ready to apply?
60 seconds to apply. 1 working day to a decision. No obligation, no credit footprint for the initial check.
Up to 90% approval for qualifying businesses