Care operators replace beds and hoists in batches, which turns a long list of modest items into a facility worth arranging properly.
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Yes. Profiling beds, mobile and ceiling track hoists, standing aids, pressure relieving mattresses and bariatric equipment are all fundable, and are almost always written as a batch rather than singly. Used equipment is fundable through refurbishers who service and recertify it. The distinction that matters is fixing: mobile hoists and free-standing beds are movable assets a funder can recover, while ceiling track systems installed into the structure are fixtures with effectively no recovery value, and are treated much more like building work.
Used kit: Yes — refurbished and recertified beds and hoists are commonly funded, generally where a specialist refurbisher supplies them with a service record and warranty.
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Business asset finance is quoted on a flat rate, so that is what this shows — with the equivalent APR underneath, because the two are not the same number. A quick guide only; your actual rate depends on the asset, term, deposit and lender.
Representative example: on Hire Purchase, borrowing £25,000 over 48 months at a 6.0% flat rate (equivalent to 11.5% APR representative), you would repay around £646 a month; total amount repayable approximately £31,000, of which £6,000 is the cost of finance. This calculator is for illustration only — it is not a quote or an offer of finance, and the rate and repayments you are offered will depend on the asset, term, deposit and your circumstances. CW Asset Finance is a credit broker, not a lender, and may receive a commission from the lender that funds your agreement. All finance is subject to status, affordability and lender approval. CW Asset Finance is an Appointed Representative of Rural Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 630701).
Care is underwritten as a business risk, not as a professional covenant, and funders look at occupancy, fee mix and regulation. A home with strong occupancy, a reasonable share of private-pay residents and a good CQC rating is a comfortable risk. A requires-improvement rating, or a placement embargo from the local authority, will stop most applications outright, because occupancy is the only thing servicing the agreement. Local authority-funded fee income is reliable but thin on margin, and funders know it. The assets themselves are middling security: beds and mobile hoists have a working used market through refurbishers, ceiling tracks have none. Domiciliary providers face extra questions about assets placed in client homes, since an underwriter cannot easily locate equipment spread across a county.
Examples of the machines we are asked to fund. This is not an exhaustive list — if what you are buying is not here, it does not mean we cannot fund it. Your supplier quote is what the agreement is written against.
| Machine | What it is |
|---|---|
| Arjo Maxi Sky 2 | Ceiling track hoist system |
| Arjo Maxi Move | Mobile floor hoist for wards |
| Arjo Enterprise 5000X | Profiling bed for hospitals |
| Invacare Birdie EVO | Mobile patient hoist for care settings |
| Invacare Medley Ergo | Profiling bed for care and home use |
| Joerns Oxford Advance | Folding mobile patient hoist |
| Sidhil Innov8 | Profiling bed for wards and care homes |
| Sidhil Bradshaw | Low-height profiling care bed |
| Linet Eleganza 5 | Profiling hospital bed with electric controls |
| Wissner-Bosserhoff sentida | Profiling care bed for nursing homes |
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Care home operators replacing an ageing bed stock, often after a local authority or CQC inspection has commented on it, or equipping a new wing. Independent hospitals and rehabilitation units refreshing ward equipment. Community equipment providers and domiciliary care agencies buying hoists and beds to place with clients form a distinct group, because their assets live in other people’s houses.
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Bought on hire purchase, business plant and machinery normally qualifies for capital allowances on the full cost even though you pay for it monthly, which is a large part of why hire purchase is the common structure. On a finance lease you generally set the rentals against profit instead. The rules change between budgets and your position depends on how you trade, so treat this as the direction of travel and get your accountant to confirm the detail before you commit.
Yes, more than most operators expect. Funders check ratings because occupancy and fee income depend on them, and a poor rating or an admissions embargo removes the income that services the agreement. A good or outstanding rating widens the lender pool considerably. If you are working through an action plan after a poor inspection, tell us, because a few funders will still look.
They can be included, but they are treated much like building work because once installed into the structure they cannot be recovered with any value. Mobile hoists in the same schedule help balance that. In leasehold premises expect the funder to ask to see the lease.
It is, though fewer funders will write it. The concern is that the assets are dispersed and hard to locate. Good asset registers, serial number tracking and a clear retrieval process when a package ends make a real difference to how an underwriter views it.
Yes, provided the homes sit under the same borrowing entity. Each delivery address goes on the schedule. Where homes are held in separate companies, funders will usually want either separate facilities or a guarantee from the parent, so tell us the group structure early. Getting that right at the start saves the application being restructured halfway through underwriting.
Powered dynamic mattress systems with a pump are equipment and can be capitalised. Basic foam mattresses are generally treated as consumable furnishings with no recovery value. If your order mixes both, funders will concentrate on the powered units when valuing the schedule. Listing the pumps and their serial numbers separately from the covers helps them do that accurately.
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Not an offer of finance. All finance is subject to status, affordability and lender approval.
Tell us what you’re looking to fund and Conor will come back to you personally — usually the same day.
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