Tell us how your care business is paid
Share the services you provide, who commissions them and how your local authority, NHS or other customer invoices are raised and paid.
A capital partner for care providers
You focus on care. We partner on the capital.
You know your people, services and communities. Privo works alongside eligible care providers on the capital side, with working capital considered against local authority, NHS and other commissioned-care invoices—subject to assessment and agreed terms.
Business finance only. Eligibility, credit assessment, invoice approval and agreed facility terms apply. Starting an assessment is not an offer or approval of finance.
A different kind of partnership
Two areas of focus. Working side by side.
Your focus
Care
People, services and communities.
Privo’s focus
Capital
Funding options, invoices and terms.
Connected through your business
Any funding is subject to eligibility, assessment, invoice approval and agreed terms. Partnership does not guarantee finance.
Care settings
- Residential children’s homes
- Supported accommodation
- Home care
- Care homes
- Fostering
- Supported living
For care businesses—not personal borrowing
See costs and obligations before deciding
Eligibility assessed for each business and invoice
The operator’s cash-flow gap
Care is delivered every day. Commissioner payments arrive on their own schedule.
Wages, agency cover, fuel, food and supplier invoices keep coming while local authority and NHS invoices work through payment processes. Invoice finance may help eligible providers manage that working-capital gap—but it does not make a commissioner pay sooner.
You focus on delivering care. We focus on the capital, exploring eligible invoices, funding options and terms alongside your business needs.
01
Plan around payroll and staffing
Consider whether working capital against eligible invoices could help manage the timing of wages, agency cover and recruitment costs.
02
Keep operating costs in view
Look at supplier bills, transport, equipment and other costs alongside the payment dates on your commissioned-care invoices.
03
Make growth decisions with care
Assess the total cost and repayment obligations before using finance to support new placements or service capacity.
How it works
Capital partnership, built around the way care providers are paid.
Invoice finance can release working capital against eligible unpaid invoices. It is business borrowing—not a grant, a payment guarantee or a way to make a commissioner pay sooner. Assessment and facility terms determine what is available and what it costs.
Review your business and invoices
Eligibility depends on your business, contracts, debtors and invoices. If terms are offered, review the facility limit, fees, conditions and repayment mechanics.
Decide whether the numbers work
Compare the available advance and total costs with payroll, suppliers and other commitments. Proceed only if the facility suits your business.
Who we support
For providers delivering care on commissioned terms.
From residential children’s homes and supported accommodation to home care, care homes and fostering, we partner with providers delivering commissioned care. Invoice finance may be worth exploring when you invoice a local authority, NHS body or another organisation. Eligibility depends on your business, contract, debtor and invoice.
Residential children’s homes
Supported accommodation
Home care
Care homes
Fostering
Supported living
These are examples, not a promise of eligibility. Finance is subject to business, debtor, contract, invoice and credit assessment.
Clear terms matter
Know what you’re agreeing to.
Invoice finance is a business commitment. Consider the full cost and how repayment works alongside your existing obligations.
Advance amountDepends on invoice eligibility and the agreed facility terms.
Fees and chargesReview the full pricing and any conditions before you accept.
Collections and settlementUnderstand who collects the invoice and how settlement is handled under your facility.
Use of customer informationCheck the facility documents for any debtor notification and data-sharing arrangements.
Before you decide
Know what the partnership means for your business.
Capital partnership should start with clear information. Review the details that affect your cash flow and customer relationships before proceeding.
- The advance available against each eligible invoice
- All fees, charges and other costs
- Who collects the invoice and how settlement works
- Any customer notification and repayment obligations
FAQs
Questions care operators should ask.
Understand the cost, customer arrangements and repayment before deciding if invoice finance fits your care business.
What is invoice finance for care providers?
Invoice finance is business funding based on eligible unpaid invoices. For a care provider, that may include invoices for commissioned services, subject to assessment. The facility documents explain the advance, costs, collections responsibilities and repayment obligations.
Can care providers get finance against local authority or NHS invoices?
Some invoices to local authorities, NHS bodies and other organisations may be considered, but eligibility is not automatic. The provider, contract, debtor, invoice and credit assessment all matter.
Could invoice finance help with payroll while I wait for a council payment?
It may help an eligible business manage cash-flow timing, but funding is not guaranteed and does not change when the commissioner pays. Consider the advance, fees and repayment obligations against payroll and other commitments.
Will the council or NHS know I use invoice finance?
That depends on the facility and its collections arrangements. Do not assume the arrangement is confidential; check the proposed terms for notification, payment instructions and data-sharing before you accept.
What does invoice discounting cost?
Pricing depends on the facility offered. Ask for the full breakdown of fees, charges and any other costs, and understand how long they apply and how repayment works before accepting.
How quickly can a care provider get funding?
There is no guaranteed turnaround. Timing depends on the information provided, checks required, invoice review and facility terms. Confirm the expected next steps directly before making decisions based on when funds may be available.
Start with your business
See if your business may fit.
Explore the business assessment with no obligation to accept finance. Eligibility and agreed terms apply.