Finance Type

Asset and equipment finance for care providers

Asset finance is purpose-led funding for an identifiable purchase, lease or fit-out that supports service delivery.

Equipment purchase plan and asset finance documents — Turn a purchase into an operating plan
The asset matters, but so do utilisation, maintenance, staffing and the cash cycle that will repay it.

Fund the asset without losing sight of the operating model

Vehicles, technology, clinical equipment, office fit-outs and service infrastructure can be useful investments, but the repayment needs to sit comfortably alongside staffing and delivery costs.

Define the asset, supplier, price and useful life.
Show how the asset supports revenue or service capacity.
Model repayments alongside the provider cash cycle.

Questions to ask early

Is the asset essential, revenue-producing, replaceable or part of a larger project? Is a lease, equipment facility or broader loan the clearest structure? Keep the decision connected to utilisation and cash flow.

For specialist accommodation projects

SDA projects usually need a more detailed property and operating plan. See the SDA and project finance page.

What to prepare

Bring the supplier quote, asset specifications, delivery timing, deposit or contribution, expected useful life, insurance and the forecast operating benefit.

Watch-outs

Do not size the facility from the purchase price alone. Include downtime, maintenance, training, fit-out and the effect of repayments on payroll and service delivery.