Mail: info@secondchancefinancial.co.uk
Care Home, Domiciliary Care, Supported Living & Care Agency Loans
Grow, Buy, Refinance, Settle Payroll, Bridge for Council Invoices.
- Rapid, flexible, and tailored financing for care homes across the UK.
- Borrow up to £2 million
- Get approved the same day you apply
- Access to excess capital in as little as 3 hours
- Flexible terms and repayment options
- Expert advisers with real-world care sector experience
Get Care Home Funding Fast
Stop waiting on slow, inflexible banks that don’t understand your business. Care homes need funding that moves at your pace — not theirs.
We provide specialist care home finance with fast approvals, flexible terms, and funding built around your operational realities — from staffing and cash flow to compliance and growth.
Apply today and secure the funding you need to run and scale your care home with confidence.
Is Our Care Home Eligible?
- Loan Size: Typically £10,000 to £2 million,
- Loan Term: 1 to 10-year terms. Flexible payment terms
- Business Accounts: 6 months of business account statements.
Our facilitation process is simple. Funds can hit your account within 24 hours of your application, Try it!
What our successful clients say?
Care Home Loans Designed for Your Business
What we help fund?
Refinance Existing Debt
- Lower your repayments
- Consolidate multiple loans
- Release equity for improvements.
Expansion or Renovation
- Upgrade rooms
- Add new Wing
- Refurbishment
- Growth
Working Capital Support
- Bridge short-term gaps
- Fund staff training
- Invest in marketing
- Flexible unsecured options help you keep your care home running smoothly
Payroll & Staff Cost Support
- Ensure your team is paid on time
- Pay PAYE on time. Avoid penalties
- Pay off tax debt
- Keep your staff happy
What do you do when your local authority has not paid you yet?
Submit Your Application
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Approval
Receive indicative terms quickly, often within hours of applying.
Access Your Funds
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Why Choose us?
Fast Access to Funds
We know that timing is crucial for care homes. Once your application is approved, we move quickly; funds can be in your account within 3 hours, so you can act on growth opportunities, urgent expenses, or facility improvements without delay.
Tailored Loans
No two care homes are the same. We customise loans to suit your business needs, whether you’re borrowing £10,000 to £2 million for expansion, renovation, refinancing, or working capital. Flexible terms and top-up options mean your funding can grow as your care home does.
Repayments That Work for You
Our repayment plans are designed around your cash flow. Choose daily, weekly, or monthly instalments to make managing your loan simple and stress-free.
Apply for a Healthcare Business Loan Today!
Ready to secure funding for your care home project? We’re here to make it quick, simple and stress-free.
FAQs
Our lenders offer loans for buying, refinancing, expanding, renovating, new build projects, and working capital support. Loans are structured around your cash flow and business needs.
Loan amounts typically range from £10,000 to £2 million, depending on your care home’s size, property value, and projected cash flow.
Repayment terms usually range from 1 to 10 years, with flexible instalment options to suit your cash flow, including daily, weekly, or monthly payments.
Typical documentation includes:
- Last 6 months of business bank statements
- The latest 1-year profit and loss statement
- Director’s personal details, including home address
- Email Address
- Date of Birth
- Personal ID (driver’s license is acceptable)
- Business Details
- 6 Months of Business Bank Statements
- Director’s Email Address
- Director’s Date of Birth
- Director’s ID (Driving License)
Any UK-based care homes that can provide a minimum of 6 months of business accounts and 1 year of profit and loss accounts.
Indicative offers are often provided the same day you apply, subject to availability. Full approval and funding usually reaches your account in as little as 3 hours.
Yes, we can help lower your monthly repayments, consolidate multiple loans, or release equity for improvements, even if your care home has experienced fluctuating performance.
No, we provide a transparent fee structure, so you’ll know exactly what you’ll pay before committing.
Absolutely, we arrange staged drawdowns and interest-only options during construction to ease cash flow pressures while developing or upgrading your care home.
Our advisers guide you through the entire process and remain available for future refinancing, expansion, or additional funding needs.
Important Notice: We exclusively facilitate unregulated finance solutions to limited companies incorporated in the UK. We do not offer regulated financing. For more information, please contact our customer support team.