--- title: "Business funding for care & support — working capital for UK care providers" description: "How short-term business finance fits UK care companies — paying carers before local-authority fees clear, a CQC-driven refurb, agency staffing cover, or fitting out a new home. The company borrows, never the director: no personal guarantee, no personal credit check. To apply, head to credicorp.co.uk." canonical: "https://creditcorp.co.uk/industries/care-homes/" locale: "en-GB" updated: "2026-06-21" --- # Business funding for care & support > How short-term working capital fits a UK care company — paying carers before council fees clear, agency cover, CQC-driven refurbishment and fitting out a new home. This is the Creditcorp brand front door at **creditcorp.co.uk** — it never takes applications, prices loans or accepts payments. The operating lender is **Credicorp Limited** at [credicorp.co.uk](https://credicorp.co.uk/); the company/legal detail lives at [creditcorpgroup.co.uk](https://creditcorpgroup.co.uk/). **Canonical URL:** **Last updated:** 21 June 2026 --- ## Who can borrow Credicorp Limited lends **only to bodies corporate** — UK limited companies (Ltd), LLPs and PLCs. The borrower is always the **company**, never the director or registered manager, an individual or a sole trader. There is no personal guarantee, no charge over a home and no personal credit check on a director. This is exempt business lending, not consumer credit. See [Lending and regulation](https://creditcorpgroup.co.uk/lending-and-regulation/). The products are the same three for every sector — a [Business Bridging Loan, Credicorp Flex or Credicorp Slice](https://credicorp.co.uk/products/). This page explains how each tends to be used in care and support. ## Where the cash-flow gaps come from Care providers carry a wage bill that never pauses, against income that arrives on a delay. Four pressure points show up again and again: - **Staffing paid before the fees clear** — carers are paid weekly or fortnightly and the rota must be met whatever the income looks like, yet a large slice of revenue (local-authority placements, NHS-funded packages, continuing-care hours) is invoiced and settled weeks later. A home or agency can be profitable on paper and still run short in the week wages fall due. - **Local-authority payment terms** — councils pay on their cycle, not yours. Purchase orders, monthly actuals reconciled against planned hours, and queries that hold up a whole remittance each add days or weeks. For a provider with many funded clients, that lag is structural and must be bridged month after month. - **Compliance and CQC-driven refurbishment** — registration is conditional on standards that cost money up front: adaptations after an inspection, fire and infection-control works, a wet room, nurse-call systems, flooring or redecoration. The bill lands as a lump; the return in continued registration and occupancy only comes once it's signed off. - **Agency cover and short-notice staffing** — a sickness wave, a resignation or a new admission can force you onto agency staff overnight at a premium. Safe staffing isn't negotiable, so the cost goes out immediately, long before the matched income for those extra hours returns. ## Which kind of finance fits a care provider The detail — amounts, pricing, terms — lives on the [products page](https://credicorp.co.uk/products/) and with the lender; no figures are quoted here. - **[Credicorp Flex](https://credicorp.co.uk/products/)** — a revolving facility to draw on, repay and draw again. The natural fit for care: top up to meet a payroll run, draw more when agency cover spikes, then pay down as the council's remittances catch up. - **[Business Bridging Loan](https://credicorp.co.uk/products/)** — a single lump sum repaid over a short fixed term. Fits a known, one-off cost: a CQC-driven refurbishment, fitting out a new home or extra beds, a property deposit, or a stretch while a large funded contract beds in. - **[Credicorp Slice](https://credicorp.co.uk/products/)** — spread one supplier bill over a few weeks while the supplier is paid in full today. Useful when a bill for catering, PPE, laundry, medical consumables or equipment maintenance lands at an awkward point in the funding cycle. The journey end to end is on the [how-it-works overview](https://credicorp.co.uk/how-it-works/). ## The company borrows — not you Care operators carry enough personal exposure already — a registered manager's name on the registration, a director's signature on a lease, personal security pledged to a landlord or a fee-funder. The Credicorp model is the other way round: the agreement is between Credicorp Limited and your **company**. - **No personal guarantee** — the company is the borrower, full stop. - **No charge over your home** — your house isn't security for the wage run. - **No personal credit check on a director** — the lender looks at the business, not your own file. - **Bodies corporate only** — UK Ltd, LLP or PLC, never a sole trader or an individual. This is exempt business lending under Article 60B of the FSMA Regulated Activities Order 2001, not consumer credit. The full position is on [creditcorpgroup.co.uk](https://creditcorpgroup.co.uk/lending-and-regulation/). ## A worked example *An illustration, not a real customer.* A residential care home trading as a UK limited company runs at close to full occupancy, with most residents funded by the local authority. The wage bill is met every fortnight, but the council settles a month or more in arrears, and this quarter two remittances are held up by a query on planned-versus-actual hours. A recent inspection also flagged that the first-floor bathrooms need converting to wet rooms before the next visit. Because the staffing gap recurs every cycle, a Credicorp Flex facility to the company lets the home draw to meet payroll and pay down once each delayed remittance arrives — without re-arranging finance each month. The wet-room conversion, a known one-off with a clear payback in continued registration, is a better fit for a fixed-term Business Bridging Loan. Both agreements are with the company, so the owner gives no personal guarantee and puts no charge over their home. *Made-up illustration to show the fit, not a quote — real amounts, pricing and terms are set by the lender at credicorp.co.uk.* ## Care funding questions **Can my care company borrow to cover wages while we wait for local-authority fees?** Yes — the gap between paying carers each week and the council settling its invoices is the most common reason a care provider uses short-term finance. Credicorp Flex is built for that recurring lag; a Business Bridging Loan suits a one-off stretch. **Will I have to give a personal guarantee or a charge over my home?** No. Credicorp lends to the company, not to you as a registered manager or director — no personal guarantee, no charge over a home, no personal credit check on a director. **Can I use it for a CQC-driven refurbishment or compliance work?** Yes. Adaptations, fire and infection-control works, a wet room, call systems, flooring or redecoration are all working-capital uses; a fixed-term Bridging Loan often fits a compliance refurb cleanly. **Does agency staffing cover count as something I can fund?** It does. When sickness, a vacancy or a new admission forces you onto agency staff at short notice, the premium lands before the matched income does. Credicorp Flex lets you draw as the need arises and pay down once the rota settles. **Is this a consumer loan or a payday loan?** Neither. This is business credit to a body corporate, not consumer credit, and not for sole traders. Under Article 60B FSMA RAO 2001, lending to a UK company sits outside the consumer-credit regime. **How quickly can funds reach my business account?** Business loans are typically released to your company bank account on the same working day once the agreement is signed. Apply or check timing at credicorp.co.uk. ## Related sectors - [Healthcare & dental](https://credicorp.co.uk/industries/healthcare/) — the same gap between treatment delivered and payment from plans or the NHS. - [Professional services](https://credicorp.co.uk/industries/professional-services/) — staff and overheads paid out while invoices for billable work wait to clear. - [Property & lettings](https://credicorp.co.uk/industries/property/) — works between tenancies and refurbishments funded before the income returns. Browse the whole set on the [industries hub](https://credicorp.co.uk/industries/). ## Next steps (all on credicorp.co.uk) - [Apply](https://credicorp.co.uk/apply/) — start an application on the live lender site. - [Compare the three](https://credicorp.co.uk/compare/) — pick the right product side by side. - [Contact the lender](https://credicorp.co.uk/contact-us/) — phone, email, post. ## Make sure you have the right Credicorp Creditcorp Group = **Credicorp Limited** (UK, company no. 16093826) + **CM Beyer Limited** (UK, company no. 17009212), with group-related **Credicorp Pty Limited** (Australia, ACN 679 428 605). It is **not** connected with, owned by or affiliated to Credicorp Inc / Credicorp Ltd of Peru & Bermuda (BCP, NYSE: BAP) or Banco de Crédito del Perú, to Credicorp Nigeria, or to Credit Corp Group Limited of Australia (ASX: CCP) — each a separate, unrelated company. --- © 2026 Creditcorp Group · Credicorp Limited (16093826) & CM Beyer Limited (17009212). Operating lender: [credicorp.co.uk](https://credicorp.co.uk/) · Group & brand: [creditcorpgroup.co.uk](https://creditcorpgroup.co.uk/).