Acorn Commercial Desk · Care Homes & Assisted Living Finance
Bespoke commercial debt for Elderly Residential, Dementia, Nursing, Children's Care Homes, and Supported Living schemes. Whole-of-market access to 450+ specialist healthcare lenders.
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Care Sector Funding Pillars
Each care model is underwritten differently — from CQC-rated operational cashflow to long-lease supported living investment yields.
Nursing homes, residential dementia units, and palliative care facilities.
EBD (Emotional & Behavioural Difficulties), learning disability, and specialist youth care homes.
Purpose-built or converted residential blocks let to Housing Associations or Care Providers on long leases.
Modernising older care stock, converting shared bathrooms into en-suite wet rooms, and adding bed capacity.
Core Underwriting Drivers
Understanding these three levers lets you present your operation the way a healthcare underwriter reads it.
A rating of 'Good' or 'Outstanding' unlocks the lowest commercial interest rates and maximum LTVs. If a site is currently rated 'Requires Improvement', we access specialist turnaround lenders who fund active management buy-ins.
Lenders analyse your bed occupancy rates (typically targeting 85%–90%+) and the ratio between Private-Pay residents and Local Authority funded beds. A higher private-pay ratio increases net margins and overall enterprise valuation.
Healthcare lending is operator-led. Demonstrating an experienced CQC Registered Manager and strong staff retention models allows first-time care buyers or expanding operators to secure competitive commercial debt.
Interactive Tool
Model your gross revenue, EBITDA, going-concern valuation range and maximum 70% LTV mortgage from beds, weekly fees and occupancy.
Lenders typically stress-test care homes at 85%–90% occupancy and expect EBITDA margins of 25%–40% depending on fee mix, staffing costs and regulatory overhead.
25 beds × £1,200/week × 52 weeks × 90% occupancy = £1,404,000 revenue. At a 32% EBITDA margin, profit is £449,280 and the going-concern valuation range is £2,920,320 – £3,818,880.
Request Care Home Pre-ApprovalIndicative illustration only. Care home valuations require a specialist RICS going-concern valuation and full lender underwrite. Actual LTVs, rates and terms depend on CQC/Ofsted rating, fee mix, occupancy history, and operator experience.
Acorn Finance is a specialist credit broker authorised and regulated by the FCA (#660207), not a tax advisory firm or accountant. Care home acquisitions, C3 to C2 planning changes, Capital Allowances on specialised healthcare fixtures (hoists, wet rooms, commercial kitchens), VAT status on care services, and OpCo/PropCo tax structures carry distinct legal and tax implications. The information provided on this page is designed to highlight key structural concepts so you can lead an informed discussion with your qualified healthcare accountant or tax specialist.
Knowledge & Next Steps
Dentists, GPs, vets and pharmacies — up to 100% funding for qualified practitioners.
Senior, stretched and mezzanine funding for ground-up care schemes.
Stop paying rent and own your trading premises.
Use OpCo/PropCo structures and documented intercompany loans for deposits.
Frequently Asked Questions