Healthcare and Care finance
Support your service.
Plan for growth.
Healthcare and care finance for equipment, premises, staffing costs and service development.
TMS Finance is a credit broker, not a lender.
Fund Reliable Care Delivery and Sustainable Growth
Care providers and healthcare businesses face recurring payroll, compliance, equipment and premises costs, while payments from private clients, local authorities or other organisations may arrive later.
Commercial finance can help manage these timing gaps, fund essential assets or support an acquisition, refurbishment or new service.
A funding plan that fits your sector
TMS Finance reviews the provider’s trading history, payment sources, occupancy or utilisation, staffing model, regulatory position and intended use of funds before approaching suitable lenders.
We explain the costs, repayment structure, lender requirements and any security or personal guarantee before you decide how to proceed.
Finance routes worth exploring
The right route depends on your business, the use of funds and how repayments will be supported.
Working capital
Manage staffing costs and gaps between service delivery and payment.
Property finance
Explore funding for care premises, clinics and refurbishment.
What could your funding support?
- Payroll and agency staffing costs
- Medical, care and mobility equipment
- Specialist vehicles and transport equipment
- Care-home or clinic refurbishment
- Property purchase and commercial mortgages
- Business acquisition and succession funding
- Working capital against delayed payments
- Technology, compliance and service expansion
Tell us what you need to achieve
Share your funding amount, purpose and timescale. We’ll review your enquiry and explain the information needed to explore suitable options.
Submitting an enquiry does not commit you to proceed. Finance is subject to status, affordability, lender criteria and approval. Security and personal guarantees may be required.
01
Understand your needs
Review your business, purpose, timescale and existing commitments.
02
Explore suitable routes
Consider relevant providers from our panel and explain their requirements.
03
Make an informed choice
Review the costs, conditions and repayment commitments before proceeding.
Healthcare and Care finance FAQs
Potential applicants include established care homes, domiciliary care providers, clinics, pharmacies, dental practices and other eligible healthcare businesses. Lender appetite and regulatory requirements vary by sector.
Working-capital facilities may help bridge timing gaps where payments are delayed, provided the business can demonstrate a sustainable route to repayment. Funding should not replace an underlying need to correct persistent losses.
Asset finance may be suitable for qualifying clinical, mobility, care, technology and specialist transport equipment. The asset, supplier, useful life and regulatory suitability will be considered.
Acquisition funding may be available where the buyer, target, regulatory position, valuation and cash contribution meet lender criteria. Detailed due diligence and professional advice are normally required.
Lenders may review registration, inspection outcomes, action plans and management experience. Material regulatory concerns can limit options, so accurate and current information is essential.
Invoice finance may be possible for eligible business or public-sector receivables. The contract, payer, invoice terms, concentration and whether the service has been accepted will influence availability.
Common requirements include accounts, bank statements, management information, occupancy or utilisation data, payment-source details, regulatory information, existing debt and a clear breakdown of the funding requirement.
Prepare for your application
Common requests include accounts, business bank statements, existing borrowing and evidence of the costs or project being funded. Sector-specific details also help lenders understand the requirement.
Explore other sectors
Find finance information for UK businesses across construction, property, retail, manufacturing, hospitality, healthcare, transport and agriculture.
Ready to discuss your next move?
Start with the business outcome you want. We’ll help you understand the funding routes that may fit.