It has been a challenging time for the care home sector...


Rising wage costs are continuing to put pressure on businesses and local authority fee levels aren't rising at a sufficient level to cover those costs.


Regulatory pressure remains strong with CQC actively looking for operators to make improvements to their homes in order to meet the demands of a changing marketplace.

The availability of funding for smaller providers has diminished within the major banks and a large numbers of operators are experiencing issues when trying to secure new deals on their core debt at renewal, with rates increasing and a preference for larger groups in terms of allocation funds.

There is positive news with a number of new entrants to the lending market who are keen to work with small businesses that have a great product and provide good quality care.


We are working closely with these lenders to shape proposals that offer operators the opportunity to both place their existing debt at a reasonable price and shape their plans for the future, enabling reinvestment in their homes to make them future-proof.

These predominantly family-run businesses are the lifeblood of the sector, providing a large proportion of the beds in the UK, and it is essential to ensure they continue to operate and service their local communities.


We remain fully committed to assisting businesses with strategic financial planning and putting them together with genuine funding partners who are as keen to see the sector flourish as we are.

Call: 07872 166776


Mindy Kaur-Smith

Director of Healthcare Finance

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MAF Healthcare Finance, Unit 22-24 Maisies Way, South Normanton, Derbyshire, DE55 2DS | Tel: 0115 958 6872 | Email:

MAF Healthcare Finance is a division of Midlands Asset Finance Limited which is authorised and regulated by the Financial Conduct Authority (FRN: 734580) and is registered in England and Wales under company number 06995483.

The registered office is 22-24 Maisies Way, The Village, South Normanton, Derbyshire, DE55 2DS. The data controller registration number for Midlands Asset Finance Limited is Z1921169 and the VAT Registration Number is 982 5378 77.

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