Lendus.

Care Home Business Loans

From property purchase to CQC-driven refurbishment, fund your care home with confidence. Lendus compares 200+ lenders so you can focus on residents, not the finance.

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Typical Range

£25k – £2m

Average Loan

£350k

for care home

Decision Speed

24–48 hrs

for unsecured loans

Eligibility requirements

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Loan types available

Secured Business Loan

Rate
4.5% – 13.9% APR
Term
3 – 25 years
Security
Care home property or other commercial property
Best for
Buying or extending a care home, or funding a major capital works programme

Asset Finance

Rate
5.4% – 13.9% APR
Term
1 – 10 years
Security
The asset being financed
Best for
Hoists, profiling beds, nurse call systems, and other specialist care equipment

Unsecured Business Loan

Rate
7.4% – 26.9% APR
Term
1 – 6 years
Security
No security required
Best for
Smaller refurbishment works, staff recruitment costs, or working capital between funding reviews

Representative example

Borrow £350,000 over 36 months at 9.9% APR (fixed). Monthly repayment: ~£11,277. Rates depend on your circumstances and the type of loan.

Market context

Care homes in England, Scotland, Wales and Northern Ireland operate under registration and inspection by their respective regulator, and property represents the largest single cost for most operators. Lenders financing care homes typically take inspection outcomes into account alongside occupancy and fee income, since a home's registration status has a direct bearing on its ability to trade and on local authority or NHS-funded placements.

Common challenges

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Bad credit?

Several of our 200+ lenders work with care home businesses that have imperfect credit. You may need a personal guarantee or higher rate, but options exist. Checking your options here does not affect your credit score, because we do not run a credit search to match you. A lender will run their own checks only if you decide to apply.

Frequently asked questions

Does my CQC or equivalent inspection rating affect whether I can get finance?
Inspection outcomes are one of several factors lenders consider, since they can affect occupancy, local authority contracts, and the general risk profile of the home. A strong, recent rating supports a stronger application, while a lower rating does not automatically rule out finance, particularly where you can show a credible improvement plan already under way. Lendus works with lenders experienced in the care sector who assess the whole picture rather than a single inspection outcome.
Can I borrow to fund bedroom and bathroom refurbishments?
Yes, this is one of the most common reasons care homes borrow, whether to maintain registration standards, improve resident experience, or refresh older parts of a building. Smaller programmes of work are often funded with an unsecured loan, while a full-scale refurbishment across multiple floors is more commonly financed with a secured loan against the property. Phasing works around occupied areas is often part of the planning lenders expect to see.
What is the best way to fund specialist care equipment like hoists and profiling beds?
Asset finance is typically the most cost-effective route, since the equipment itself is used as security, which usually means better rates than unsecured borrowing. This also avoids a large upfront cash outlay when equipping new bedrooms or replacing ageing equipment across the home, and terms can be matched to the expected working life of the equipment. This also makes it easier to keep equipment current as clinical and safety standards evolve.
Can a new care home operator get finance to buy a property?
Yes, though lenders will look closely at your management team's sector experience, since operating a regulated care setting requires specific expertise. A secured loan against the property is the usual route, and having a registered manager and clear staffing plan in place before completion will strengthen the application. Lendus can advise on what lenders typically want to see from a first-time care home buyer.

Equipment finance for care home businesses

Buying a specific machine or vehicle is usually cheaper than a general business loan, because the asset itself is the security. These are the items care home businesses most often fund, with the price range we see quoted in the UK.

Equipment Typical price range Finance page
Assisted Bathing System £6k to £35k Assisted Bathing System finance
Bath Lift £400 to £5k Bath Lift finance
Care Home Laundry £4k to £45k Care Home Laundry finance
Mobility Scooter Fleet £5k to £60k Mobility Scooter Fleet finance
Nurse Call System £8k to £120k Nurse Call System finance
Patient Hoist £1k to £9k Patient Hoist finance
Pressure Care Mattress £600 to £6k Pressure Care Mattress finance
Profiling Bed £900 to £7k Profiling Bed finance
Commercial Stairlift £3k to £15k Commercial Stairlift finance
Wheelchair Accessible Vehicle £15k to £70k Wheelchair Accessible Vehicle finance
Aesthetic Laser £10k to £60k Aesthetic Laser finance
Anaesthetic Machine £15k to £60k Anaesthetic Machine finance

Browse all equipment finance pages

Understand the loan structures

The table above shows what a care home business borrows for. These pages explain how each kind of borrowing actually works, what it costs and who it suits.

Business loans for bad credit Government-backed business loans Merchant cash advance Revolving credit facilities Business loans with no personal guarantee Secured business loans Start up business loans Unsecured business loans

Related industry loans

Healthcare Nursery & Childcare Dental Practice

Guides and resources

How to Get a Business Loan Business Loan Eligibility Secured vs Unsecured Best Business Loans UK iwoca Review Funding Circle Review

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