Who this is for
- Residential care homes for older people
- Nursing homes providing clinical care
- Specialist homes (dementia, learning disability, mental health)
- Single-home companies and small groups
Income and fee structures
- Local authority and NHS-funded placements
- Privately funded residents and top-ups
- FNC (Funded Nursing Care) and CHC where applicable
- Short-stay, respite and day care fees
Common allowable expenses
- Care, nursing, domestic and kitchen staff wages – often 45–60% of costs
- Agency staff costs to cover vacancies and sickness
- Rent or mortgage interest, business rates and utilities
- Food, housekeeping, laundry and consumables
- Repairs, maintenance and equipment replacement
- CQC fees, training and compliance costs
- Insurance, professional fees and bank charges
What we need from you
- Business bank and loan statements for the year
- Occupancy and fee schedule (weekly rates / client mix)
- Payroll reports split by staff group if possible
- Supplier invoices – food, laundry, utilities, repairs, agency
- Details of any capex/refurb projects and funding
We help you and your lenders see clearly: fee income, wage ratio, occupancy and profit, in a format care-sector stakeholders expect.