Practical insights
for owner-managed groups.
Forensic, CFO and tax advisory perspectives on the decisions owner-managed UK businesses actually face: structure, succession, scrutiny and growth.
How Does Development Finance Work for UK Property Developers?
Development finance for UK property developers funds land purchase and build costs in staged drawdowns. Senior debt covers 65% of GDV or 90% of build costs....
Should Your UK Property Portfolio Be in a Limited Company in 2026?
A UK property portfolio in a limited company retains full mortgage interest relief, pays corporation tax at 25%, and avoids Section 24. The right structure...
Property Finance for UK Investors and Developers: A Complete CFO Guide
Property finance in the UK covers buy-to-let mortgages, development finance, SPV structures, Section 24, and SDLT planning. This CFO guide explains every...
How Is Care Home Refinancing Structured for Operators?
Care home refinancing replaces existing debt with new facilities, typically at 5-7 years post-acquisition, releasing equity through EBITDA growth and...
What Financial KPIs Should a Care Home Operator Track?
Care home operators should track occupancy rate, average weekly fee, EBITDA margin, agency staff ratio, private pay mix, and revenue per bed weekly. These...
How Does CQC Rating Affect Care Home Valuation and Finance?
CQC rating directly affects care home valuation, EBITDA multiples, lender appetite, and available loan-to-value ratios. Outstanding and Good ratings open...
What Do Lenders Look for in a Care Home Business Plan?
Care home lenders assess EBITDA projections, occupancy trajectory, CQC rating, staffing plans, and private pay mix in a business plan. This guide covers...
How Is Care Home EBITDA Calculated for Acquisition Finance?
Care home EBITDA for acquisition finance is calculated by adjusting reported earnings for owner costs, agency staffing peaks, one-off items, and LA fee...
Care Home Finance: A Complete Guide for Operators, Buyers and Lenders
Care home finance in the UK covers acquisition funding, refinancing, EBITDA valuation, and lender criteria. This guide explains every stage for operators,...