Which UK lenders finance care homes?
The answer
20 lenders in Solon's directory name care homes or the care sector in their published lending criteria. By type, they are 1 asset-based or asset-finance lender, 8 challenger and specialist banks, 1 private-credit fund and 10 property-backed lenders. Alphabetically, they are Allica Bank, ASK Partners, Atelier Finance, Blackfinch Property, Catalyst Property Finance, Coutts, Cynergy Bank, Duke Capital, Hilco Real Estate Finance, Hope Capital, LHV Bank, OakNorth Bank, Octopus Real Estate, Ortus Secured Finance, Pivot Finance, Pulse Finance (formerly Pulse Cashflow Finance), Puma Property Finance, Punjab National Bank (International), State Bank of India (UK) and The Cumberland Building Society.
Answered by Solon Corporate Finance from the lenders’ own published terms · Last reviewed 27 September 2026
How this list is drawn
A lender appears here when the sectors on its profile name care homes, care services, nursing or senior living. Lenders that list healthcare in general, without naming care, are not included.
What to know
Care homes are financed on two footings. Property lenders lend against the home, valued as a trading asset. Banks and private-credit funds lend against the operating business, looking at occupancy, the mix of fees and the home's regulator ratings. Several lenders below do both.
Occupancy, ratings and the split between local-authority and private fees drive both the price and the amount available.
The lenders20
| Lender | Type | What they lend | Published range | Reviewed |
|---|---|---|---|---|
| Allica Bank | TypeChallenger & specialist · Challenger banks | LendsOwner-occupied commercial mortgage, investment commercial mortgage, bridging finance | Rangeup to £15m | ReviewedJul 2026 |
| ASK Partners | TypeProperty-backed · Bridging & development | LendsSenior bridge loan, senior development finance, mezzanine finance | Range£5m–£80m | ReviewedAug 2026 |
| Atelier Finance | TypeProperty-backed · Bridging & development | LendsDevelopment finance, bridging finance | Range£3m–£15m | ReviewedAug 2026 |
| Blackfinch Property | TypeProperty-backed · Bridging & development | LendsDevelopment finance, bridging loans, commercial term loans | Range£500k–£20m | ReviewedAug 2026 |
| Catalyst Property Finance | TypeProperty-backed · Bridging & development | LendsShort term bridging loans, commercial bridging finance, refurbishment finance | Rangeup to £20m | ReviewedAug 2026 |
| Coutts | TypeChallenger & specialist · Private & merchant banks | LendsCommercial cashflow term / RCF & acquisition finance, asset-based lending, invoice financing | Range£3m–£15m | ReviewedJun 2026 |
| Cynergy Bank | TypeChallenger & specialist · Challenger banks | LendsCommercial mortgage / investment & owner-occupier property lending, professional buy-to-let and mixed-use property finance, asset-based lending (receivables, inventory, plant & machinery, property) | Rangeup to £40m | ReviewedJul 2026 |
| Duke Capital | TypePrivate credit · Mezzanine & special situations | LendsRoyalty financing (corporate mortgage) + equity kicker | Range£5m–£30m | ReviewedAug 2026 |
| Hilco Real Estate Finance | TypeProperty-backed · Bridging & development | LendsBridging / short-term property finance, medium-term real estate loan | Range£1m–£150m | ReviewedAug 2026 |
| Hope Capital | TypeProperty-backed · Bridging & development | LendsCommercial bridging loan, refurbishment / commercial conversion bridge | Rangeup to £5m | ReviewedAug 2026 |
| LHV Bank | TypeChallenger & specialist · Specialist & niche banks | LendsCommercial mortgage, commercial investment loan, specialist buy-to-let loan | Range£500k–£15m | ReviewedAug 2026 |
| OakNorth Bank | TypeChallenger & specialist · Challenger banks | LendsSenior term loan (amortising and non-amortising), acquisition / management-buyout finance, working-capital facilities | Range£1m–£50m | ReviewedJul 2026 |
| Octopus Real Estate | TypeProperty-backed · Bridging & development | LendsCommercial bridging finance, senior development finance | Range£1m–£50m | ReviewedAug 2026 |
| Ortus Secured Finance | TypeProperty-backed · Commercial mortgages | Lends5-year commercial mortgage, commercial bridging, projection-led commercial bridge | Rangeup to £25m | ReviewedAug 2026 |
| Pivot Finance | TypeProperty-backed · Bridging & development | LendsBridging finance, development finance | Range£1m–£15m | ReviewedAug 2026 |
| Pulse Finance (formerly Pulse Cashflow Finance) | TypeAsset-based · Invoice finance | LendsInvoice factoring, invoice discounting, trade finance | Rangeup to £5m | ReviewedJul 2026 |
| Puma Property Finance | TypeProperty-backed · Bridging & development | LendsSenior development finance, pre-development bridge finance | Range£3m–£100m | ReviewedAug 2026 |
| Punjab National Bank (International) | TypeChallenger & specialist · Specialist & niche banks | LendsBuy-to-let mortgage, development finance, Commercial real estate (CRE) term loan | RangeNot published | ReviewedAug 2026 |
| State Bank of India (UK) | TypeChallenger & specialist · Specialist & niche banks | LendsCommercial mortgage / secured business loan | Range£250k–£25m | ReviewedAug 2026 |
| The Cumberland Building Society | TypeChallenger & specialist · Specialist & niche banks | LendsCommercial mortgage, hospitality mortgage, holiday let mortgage | Rangeup to £6m | ReviewedAug 2026 |
A reference list drawn from each lender’s published material, informational and not a ranking or a recommendation. Each name links to the lender’s profile, where the sources are listed.