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UK SMEs · Human support
Care Sector Finance

Bridge the gap between delivering care and being paid for it

You pay staff every week. Commissioners pay monthly or later. We help care providers close that gap — reliably.

Staff payroll every week — commissioner payments arrive monthly or quarterly
CQC registration, compliance upgrades and inspections cost real money
Building improvements needed without capital to fund them
£2M+
In care finance arranged
30–90 days
Commissioner delays bridged
48hrs
Invoice finance setup
The cash-flow problem

Weekly payroll. Monthly commissioner payments. The maths never quite works.

Staff wages dueWeekly or fortnightly payroll
Cash out now
Care delivered & recordedHours completed, plans updated
Value created
Invoice to commissionerRaised monthly in arrears
Wait begins
Commissioner payment30–90 days from invoice
Cash arrives much later

Care providers deliver an essential, regulated service — and face some of the most challenging cash-flow dynamics of any sector. Staff are paid weekly, but local authority and NHS commissioners operate on long payment cycles that have no relationship to your cost base.

Relevant products

Finance matched to how care businesses operate

Invoice Finance

Bridge commissioner delays

Release up to 90% of commissioner invoices as soon as they're raised — covering payroll without waiting.

Check eligibility
Unsecured Loan

Compliance & CQC investment

Fund CQC requirements, staff training, or care management software investment.

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Asset Finance

Equipment & vehicles

Hoists, specialist beds, mobility equipment and fleet vehicles spread across their working life.

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Common scenarios

Where care businesses use us

01

Weekly payroll gap

45 care staff expecting wages Friday. LA commissioner doesn't pay until the 20th of next month. Invoice finance covers the gap every time.

Invoice Finance
02

CQC improvement notice

Required improvements flagged. Capital to act quickly before the next inspection.

Unsecured Loan
03

Registering a new service

Adding extra care or supported living requires setup investment before any income is generated.

Unsecured Loan
04

Equipment replacement

Critical hoist failed inspection. Asset finance funds a replacement in 48 hours.

Asset Finance
Real care business

What our clients say

""Our local authority moved to quarterly payments during a restructure. It nearly broke us — 13 weeks of wages with no settlement. Capital24-7 had invoice finance arranged within 48 hours and we've used it ever since.""

DS
Diane S.
Domiciliary care provider, South West
Payroll gap bridged
13 weeks
Ready to get started?

Let's find the right funding for your business

No credit check. No commitment. A clear picture of your options, explained honestly.

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