Most banks won't touch care home acquisition finance. CQC compliance changes quarterly. And R&D credits for care technology go unclaimed. OTTO, LEO, and STERLING handle all three, without you chasing them.
CQC-registered providers in the UK, most without automated compliance monitoring or specialist finance infrastructure.
Care businesses sit at the intersection of specialist finance, complex regulation, and overlooked tax reliefs. SME Growth Team deploys OTTO, LEO, and STERLING simultaneously, each operating in its domain, each feeding intelligence back to your morning brief.
Care home acquisitions, bridge finance, equipment leasing, working capital for payroll gaps, OTTO's lender panel includes specialists who understand CQC ratings, occupancy revenue, and LA funding contracts. No high-street guesswork.
OTTO, CARE ACQUISITION FINANCEIf a previous application was declined, LEO identifies the root cause, credit profile gaps, documentation issues, or lender mismatch, before any resubmission. Care sector lending has specific criteria. LEO knows them all.
LEO, LENDING OPTIMISATIONCare technology, rostering software, dementia care protocols, infection control innovation, all potentially qualifying R&D activity. STERLING identifies claims most care businesses don't know exist. ERIS can return 27% as a cash credit.
STERLING, R&D TAX INTELLIGENCESpecialist care sector lenders who understand occupancy rates, CQC ratings, and LA contract revenue. Acquisition funding from £500K to £5M+.
View OTTOCare technology R&D credits are among the most consistently unclaimed reliefs. STERLING identifies qualifying activity automatically.
View STERLINGOrchestrates OTTO, LEO, STERLING, and ZARA. Finance, compliance, and tax, all in one daily intelligence brief for care operators.
View Intelligence LayerOTTO holds relationships with specialist care sector lenders who understand occupancy rates, CQC ratings, and LA contract revenue. Acquisition funding from £500K to £5M+, without the high-street rejection cycle.
Agent: OTTOZARA monitors regulatory filing requirements, CQC inspection cycles, and policy change notifications. You receive alerts before deadlines, not after. No compliance failure should ever come as a surprise.
Agent: ZARACare technology development, digital care planning systems, clinical innovation, STERLING identifies qualifying activity and structures the claim. ERIS scheme returns 27% as cash for loss-making care SMEs. Most care providers claim nothing.
Agent: STERLING"Most care home acquisitions stall because the applicant approaches the wrong lender. OTTO goes straight to the specialists."
144+ Lenders on OTTO's panel, including care-specialist providers most businesses never find"CQC doesn't send reminders. ZARA does. Every care provider we work with has reduced their compliance risk in the first month."
24,000 CQC-registered providers, most without automated compliance monitoring"Care technology R&D credits are some of the most consistently unclaimed reliefs in the UK. STERLING finds them automatically."
27% ERIS cash credit for loss-making care SMEs investing in technology"SME Growth Team gives our care clients a morning brief that covers finance, compliance, and tax in one summary. No more separate advisers."
Daily SME Growth Team intelligence brief, care-specific signals delivered every morningSubmit your details and we'll assess your care business, configure OTTO, LEO, and STERLING to your CQC profile, and have SME Growth Team operational within days.
Finance, compliance, and R&D intelligence, all orchestrated into one layer for care operators.
Explore SME Growth Team for Healthcare