Specialist funding for the
care economy.
Privo provides £250,000 to £5 million to nursing homes, supported living, children's services and domiciliary care providers. Decisions in 48 hours, terms built around your operating reality.
No effect on your credit score to apply · Most applications take under 20 minutes
£850,000
48-bed nursing home · for illustration only
Rate
11.5%
APR
Term
60
months
Decision
48h
from apply
- Sector specialists who understand CQC, Ofsted and LA contracts
- Senior secured, receivables-backed and bridge structures
- Dedicated relationship manager from day one
Trusted by 240+ UK care operators
Specialists
in UK health & social care
48 hours
Indicative decision target
£250k – £5m
Facility size range
Sector-led
Credit team & underwriters
One platform
Built for everyone in the deal.
Operators
Capital that fits how you actually run
Apply in under 20 minutes. We underwrite on operating reality — occupancy, fee mix, regulator standing — not just balance sheet.
Apply for fundingAnalysts
An underwriting workspace that thinks ahead
AI extracts financials, validates against sector benchmarks and drafts the credit memo. You decide.
Request accessInvestors
Curated, scored deals in private credit
Diversify into UK health and social care with deals priced for risk and structured for resilience.
Request accessHow it works
From application to capital in days, not months.
Privo replaces weeks of back-and-forth with a single guided application, automated extraction of your supporting documents and a sector-specialist credit team that knows what “Good” means.
Start your application- 01
Tell us about your service
A friendly, guided 8-section application. Most operators finish in under 20 minutes.
- 02
Upload your documents
Drag and drop accounts, CQC reports and bank statements. We extract the numbers automatically.
- 03
Receive your offer
A credit specialist reviews and issues indicative terms within 48 hours.
- 04
Drawdown
Sign electronically and receive funds, typically within five working days.
Funding structures
Pricing built around your operating reality.
Every facility is structured by a sector specialist. Indicative pricing below — your precise rate depends on regulator standing, occupancy, contract mix and security.
Get an indicative quoteSoft search only · No effect on your credit score
Senior Secured Term Loan
Acquisitions, refinancing, freehold purchase, capex.
- Indicative rate
- From 9.5% APR
- Term
- 36 – 84 months
Receivables Facility
Smooth Local Authority and ICB payment cycles.
- Indicative rate
- From 1.4% / month
- Term
- Revolving, 12 months
Bridge & Growth Loan
Bridge to refinance, new wing, occupancy ramp.
- Indicative rate
- From 0.95% / month
- Term
- 3 – 18 months
Portfolio Facility
Multi-site operators consolidating debt across homes.
- Indicative rate
- Bespoke
- Term
- Up to 84 months
Sample operator scenarios
Capital with people who answer the phone.
Illustrative scenarios based on the kinds of operators we work with.
“Privo understood our service from the first call. Indicative terms in three days, completion in two weeks. They funded our dementia wing on time and on budget.”
Sarah Whitfield
Managing Director, Holloway House Care
£850k
Funded
48 beds · West Yorkshire
“Three high-street banks turned us away because supported living doesn't fit their templates. Privo's underwriters knew our world. Drawdown in nine working days.”
James Okafor
Operations Director, Northwood Living
£1.4m
Funded
12 services · North West
“We refinanced an expensive bridge and added two new homes in the same facility. The credit team treated us like partners, not a file number.”
Amara Patel
Finance Director, Bridgeford Care Group
£2.6m
Funded
Children's residential · 6 homes
Talk to us
Ready when you are.
Applying takes around three minutes and won't affect your credit score. A specialist will reach out within one working day, or pick a channel and we'll come to you.