Nursing and Care Home Sector

In the UK, the Office for National Statistics has reported that through the latter half of the 20th Century, the UK’s population transitioned into an ageing one. This trend is only projected to increase, with one in four people in the UK set to be 65 and older by 2050.

The UK’s ageing population is seeing more people leave their own home and move into supported living, whether that’s paid for through self-funding or help from their local council.

This has made the care industry attractive to entrepreneurs and investors who wish to enter the market, in addition to existing operators wishing to expand.

Autograph Finance specialises in the Care Home Sector and has obtained funding for:

  1. Nursing Homes – including development funding for build and extensions
  2. Residential Care Homes
  3. Supported Living

When putting together a proposition for a funder, with our specialist knowledge we will build an appraisal that takes into account the following:

  1. The business performance of the Care Home(s) benchmarking it against Industry Standards across the the key financial metrics.
  2. The experience and track record of the operator and the Management Structure.
  3. An analysis of competition locally
  4. The Regulatory Risk – an analysis of CQC Inspection’s and action plan of the home (s)

A strong proposal from Autograph Finance can help you during the application process so that you present your case to a funder in the best possible light.

As an independent credit broker, we are not tied to any specific lender — there is not a lender we have a vested interest in promoting above another.

We have established and trust-based relationships with the leading lending institutions as well as niche lenders that operate across the UK.

IFA and Wealth Management Businesses

The UK independent financial adviser market is made up of predominantly owner-operator businesses. 90% of financial advice firms have five or fewer advisers.

The sector is going through a period of consolidation. The key driver to this being the ageing profile of Advisers. Many are now at or approaching retirement age. There are therefore opportunities for other Practices or Management Teams to purchase the client base and the recurring income streams from these retiring principles.

Traditional bank funding can be difficult to obtain because of:

  1. Lack of Security. Financial advice businesses do not have tangible assets, with most of their value being the ongoing cashflow from clients. There are effectively no assets for a funder to be able to take a charge over and therefore unsecured cash flow lending is required.
  2. Debt Quantum. Cash Flow Funding requires bank specialist involvement. Typically High Street Bank specialists will not get involved unless the debt size is above certain levels e.g. £1M. The majority of acquisitions sit below these levels.

We have been successful in sourcing funding from mainstream lenders as well as specialist funders for acquisitions with up to 100% finance available.

We understand the key risks to a funder in this sector and are able to build a proposition to address these which means that the acquirer has an improved chance of getting the funding.

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