Asset finance
Fund chairs, scanners, diagnostic kit and surgery equipment.
Healthcare, veterinary & care
Care home finance
Care providers balance regulatory investment, staffing and property costs. Tera helps care home operators explore commercial property finance, asset funding and business loans.
What is care & residential homes finance?
Healthcare and care providers invest in clinical equipment, premises and compliance. Finance can support practice growth and refurbishment — Tera helps you prepare specialist applications.
Commercial property finance
Purchase or refinance surgery and clinic premises.
Business loans
Support recruitment, marketing and practice expansion.
Who needs care & residential homes finance?
- Residential and nursing home operators : Businesses investing in equipment, vehicles or premises
- Providers acquiring additional homes : Owners managing cash flow between customer payments
- Family-run care businesses expanding : Operators planning growth or replacing ageing assets
- Groups refinancing existing property debt : Businesses seeking specialist broker guidance through the process
Why Tera?
Regulated sector awareness
We help you present CQC context, occupancy and fee income alongside standard financial information.
Property and equipment routes
Explore mortgages for premises and asset finance for kit from a single guided application.
Transparent process
Clear next steps, document checklists and a specialist who explains lender expectations.
Broker clarity
Tera Business Finance LTD is a credit broker, not a lender. We explain options honestly and there is no obligation to proceed.
Tera Business Finance LTD is a credit broker, not a lender, and an Appointed Representative of [Moorgate legal entity]. Finance is subject to status and lender terms.
Care & Residential Homes finance FAQs
Common questions about commercial finance for this sector. Figures are indicative only and not offers.
Ready to explore your options?
Start Tera's short assessment for care & residential homes — a specialist will review your requirement and discuss suitable routes.
Guides and insights
Useful reading for care & residential homes businesses
Practical guides and product explainers relevant to care & residential homes — from application preparation to common funding routes.
Guides
What is a personal guarantee — and do you have to give one for business finance? for care & residential homes
A personal guarantee is a promise to repay business borrowing if the company cannot. Here is when lenders request one and what your options are.
10 July 2026 · 6 min read
Read guide
Guides
Business finance broker vs direct lender: which is right for your UK business? for care & residential homes
Should you use a broker or go direct to a lender? An honest comparison of market access, costs, speed and support for UK business owners.
10 July 2026 · 8 min read
Read guide
Guides
Preparing for a business loan application for care & residential homes
A practical overview of the information lenders and brokers typically request when assessing a business loan application.
15 January 2026 · 7 min read
Read guideBusiness insurance
Protect your care & residential homes business
Explore cover that may be relevant for your people, premises, equipment and operational risks.