Acquiring, refinancing or developing care homes, supported living and childcare settings (nurseries and after-school care). Specialist lenders assess care businesses on EBITDA, occupancy and regulatory standing, and there is a genuine specialist market here that general brokers rarely reach.
The Care Inspectorate grades come first: strong grades open lender doors, and recent downgrades need a credible improvement story. Then sustainable EBITDA per bed or place, occupancy trends, fee mix (local authority vs private), staffing model and the registered manager’s standing. Property matters too, but in care the trading fundamentals lead the credit decision.
Sealed bids, missives and lender coverage shape every deal here. Read our guide to property finance in Scotland.
The setting, the numbers, the grades. One working day to an honest view on fundability.