# Bridging Finance Provided for Nursing Home in Wales, UK

Case study · United Kingdom · Published 2018-09-04 · Updated 2026-06-09 · By Rikvin Capital

> Location: Wales, United Kingdom Market Value: £2,000,000 Loan Amount: £1,200,000

## Deal summary

| | |
| --- | --- |
| Asset Type | Nursing Home |
| Locations | Wales, United Kingdom |
| Loan Amount | £1,200,000 |
| Loan-to-Value | 60% |
| Market Value | £2,000,000 |
| Duration of Loan | 8 Months |
| Payment Schedule | Monthly |
| Completion Time | 10 Days |

An individual had their sights set on purchasing a nursing home, but traditional banks deemed them unqualified for a loan. The individual was determined to make the purchase happen, but didn’t know where to turn.

That’s when they discovered Rikvin Capital. After a thorough due diligence process and receiving the valuation report, Rikvin Capital was able to provide the client with a £1,200,000 loan at a 60% LTV. The process was quick and efficient, and within a short period of time, the client was able to drawdown from the loan and make their dream of owning a nursing home a reality.

This experience showed the individual the power of having a financial partner who was willing to work with them and provide tailored solutions. They were grateful for the support from Rikvin Capital and were excited to begin the next chapter of their journey as a nursing home owner.

## Problem

- An Individual required funding to purchase a nursing home and was not qualified to get one from traditional banks.

## Solution

- After performing due diligence and receiving the valuation report, Rikvin Capital was able to provide the client with a loan of £1,200,000 at a 60% LTV.
- Within a short period of time, the client was able to drawdown from the loan and purchase the nursing home.

**Related:** [Read about when Rikvin Capital extended a commercial property loan for the Met Tower in Glasgow](https://www.rikvincapital.com/case-study/met-college/)

- **Location:** Wales, United Kingdom
- **Market Value:** £2,000,000
- **Loan Amount:** £1,200,000
- **Loan-to-Value:** 60%
- **Duration of Loan:** 8 Months
- **Payment Schedule:** Monthly
- **Asset Type:** Nursing Home
- **Completion Time:** 10 Days

## Frequently asked questions

### Can Rikvin Capital fund a UK care-home or nursing-home acquisition?

Yes. The case here lent £1.2 million against a £2 million Welsh nursing home (60% loan-to-value) in 10 days. Care-sector assets are a niche area where high-street lenders often decline; we underwrite to the property value and the operator's plan.

### How is a care-home valued for lending purposes?

We use specialist healthcare valuers who look at both bricks-and-mortar value and the going-concern value (current occupancy, fee income, regulatory rating). Loan-to-value is typically 50 to 60% on care assets given the operational complexity and specialist sale market.

### How quickly can care-home financing be put in place?

10 to 14 working days is realistic for a clean acquisition, as in this Welsh deal. The healthcare valuation typically takes 5 to 7 working days because of the operator-side review. Refinances of existing care assets can move faster.

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