Care Home Invoice Finance
Release instant cash from unpaid invoices
- Receive up to 95% of invoice value
- Sell single or multiple invoices
- Fast, stress-free funding in 24 hours
Quick Decision with No Obligation
Release instant cash from unpaid invoices
Quick Decision with No Obligation
Invoice finance for care homes helps UK care providers access the money tied up in unpaid invoices, without waiting weeks or months for customers to pay. Instead of waiting 30, 60, or even 120 days for payments from local authorities, NHS bodies, or other organisations, you can release funds against outstanding invoices to improve your cash flow.
Using invoice finance, care homes can typically access up to 95% of the value of eligible invoices, often within 24 hours of raising them. This provides a flexible way to cover essential costs such as staff wages, supplier payments, and ongoing operational expenses.
Whether you operate a residential care home, nursing home, or specialist care facility, invoice finance can help you maintain a healthier cash flow while continuing to provide high-quality care.
Running a care home involves significant ongoing costs, including staffing, utilities, supplies, and regulatory requirements. However, delays in receiving payments can put pressure on cash flow, particularly when invoices are paid by local authorities, NHS organisations, or other care sector commissioners.
Invoice finance allows care providers to unlock money already owed to them, providing faster access to working capital without waiting for lengthy payment cycles. This can help you manage day-to-day expenses, maintain staffing levels, plan ahead with confidence, and continue investing in your care services.
There are several types of invoice finance available depending on your needs. Invoice factoring allows a finance provider to manage collections and credit control on your behalf, while invoice discounting lets established businesses retain control of their sales ledger while accessing funds. For care providers that only need occasional support, selective invoice finance can provide funding against individual invoices rather than your entire ledger.
For growing care providers, invoice finance can offer a flexible funding solution that grows alongside your income, with available funding increasing as your invoicing increases.
Did you know? According to the Institute of Health and Social Care Management, one in five care providers in England felt at risk of financial failure in 2023, as over £679m in invoices remained unpaid for more than 30 days by local authorities and the NHS.
Care homes can use invoice finance to release funds tied up in unpaid invoices, helping improve cash flow without waiting for customers to pay. You can choose to finance individual invoices or your entire sales ledger, depending on your business needs.
Once you have provided care services and raised invoices, submit them to your chosen invoice finance provider.
Get up to 95% of the invoice value upfront, minus any agreed fees in just 24 hours.
Depending on the type of invoice finance facility, the finance provider may manage collections on your behalf, or you can continue handling payments confidentially. Once your customer pays the invoice, the remaining balance is released, minus any agreed charges.
Yes. Care homes can use invoice finance to release funds against eligible invoices issued to NHS organisations, helping improve cash flow while waiting for agreed payment terms.
Yes. Invoice finance can help care providers access funds tied up in outstanding local authority invoices, reducing the impact of delayed payments.
Care providers can typically access up to 95% of the value of eligible invoices, with the amount available depending on the invoices raised and the finance provider.
Yes. Invoice finance can be a suitable funding solution for residential care homes, nursing homes, and other care providers looking to improve cash flow and manage payment delays.
Care homes can typically qualify for invoice finance if they are a UK-registered limited company or sole trader and raise invoices to eligible business or public sector customers, such as local authorities, NHS organisations, or other care commissioners. Eligibility depends on factors including your invoices, customers, trading history, and the finance provider’s criteria.
SME Invoice Finance makes it simple for UK care homes and care providers to compare invoice finance options from trusted lenders. Our online platform helps you explore suitable funding solutions quickly, without the need to approach multiple providers individually.
Whether you need to manage delayed payments, support business growth, cover everyday costs, or invest in improving your care services, we can help you find a funding option that fits your needs.
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Since 2014, we've helped many businesses, large and small, get access to the working capital they need through invoice financing.
Some of the funders we work with
