Invoice Finance for Care & Nursing Agencies

A home care or care staffing agency usually pays carers every week, but councils, the NHS and care home groups pay its invoices later, on their own terms. Invoice finance lets you draw most of each invoice once the hours are approved and invoiced, so payroll doesn't have to wait. The customer pays as normal and the lender keeps a fee. It only covers invoices to organisations, not care that people pay for themselves. Market Invoice compares UK providers, and you can get 3 free quotes through our introduction partner, a UK invoice finance provider.

How it works for care

It is the same product recruitment agencies use. You invoice the council, trust or care home for the hours your staff worked. The lender pays you most of the invoice, and you use it to run payroll. When the customer pays, the lender sends you the rest, less its fees.

Lenders usually see councils and NHS bodies as reliable payers, though they can still pay late or query an invoice. Care packages also tend to run for months, which helps a lender see what is coming.

What lenders look at

• Your CQC registration and rating. Lenders may check it. Have your latest inspection report to hand.
• Framework agreements and contracts. If you are on a council framework, share it. It shows the work is likely to continue, though the lender will still check each invoice.
• Approved hours. Lenders usually fund hours the customer has accepted. Visits that are still being queried may be held back.
• Payroll help. Some lenders that fund staffing businesses also offer payroll or back-office services. Ask about it in the quote if you want it.

Lenders to compare

These lenders publish some of their terms. None of them says it specialises in care, so this is a starting list, not a ranking.

Figures as published on each lender's own website, checked 14 October 2026. None of these lenders publishes its fees.

Fees are quoted per facility. Our guide to invoice finance costs explains how to compare quotes.