Looking after your growth
£1m to £25m acquisition finance, new-site funding and refinancing for care, children's care and education, specialist care and clinical services groups.
We understand the healthcare sector
Healthcare services businesses are shaped by regulation, staffing and commissioning in ways many lenders don't reflect. We fund ambitious operators across various sub-sectors and already know which questions matter and which don't. That means fewer surprises in credit, and terms that reflect how the business really performs.
Lenders who don't know a sector can find its businesses slow and costly to assess. Knowing healthcare means faster answers and terms that fit.
Where we lend
Bolt-on acquisitions and buy-and-build plans · New sites and capacity · Ownership change, including MBOs and sponsor buyouts · Refinancing
01
Residential and specialist care
Acquisitions, refurbishment and new capacity for care home groups and supported living providers. We look at occupancy, staffing costs and regulatory ratings alongside cash flow.
02
Children's care and education
Funding for day nursery groups, children's homes and specialist education providers adding settings or consolidating. [Confirm sub-sectors.]
03
Veterinary
Funding independent veterinary groups as they add practices, or as founders sell to their management teams.
04
Clinical and outsourced services
Growth and acquisition funding for providers working with the NHS and private payers.
05
Pharmacy and medical supplies
[Confirm.]
What we look at
We focus on regulatory ratings, occupancy or utilisation, staffing costs and payer mix, as well as the usual credit measures.
Questions
Questions about healthcare finance
Do you fund day nursery groups?
Yes. We fund nursery groups adding settings, buying competitors or refinancing, from £1m to £25m, where the group has at least £1m of EBITDA.
Do you lend to care home groups?
Yes, for acquisitions, refurbishment and new capacity, with occupancy and regulatory ratings assessed alongside cash flow.
What do you look at when lending to a healthcare business?
Regulatory ratings, occupancy or utilisation, staffing costs and payer mix, as well as the usual credit measures.
Adding sites or planning a buyout?
Send us the group's numbers and the plan. If it fits, you'll have indicative terms within [X] days.