Stop waiting 30–60 days for local authority and NHS payments while carer wages need paying every week. Amber Finance helps domiciliary care providers, community care agencies, and supported living operators across Wolverhampton, Birmingham, Dudley, and Walsall release up to 90% of their invoice value within 24 hours — keeping your carers paid and your business growing.
The healthcare and social care sector faces a unique cashflow challenge: care workers are paid weekly, but local authorities and NHS commissioners routinely pay invoices on 30, 45, or even 60-day terms. For domiciliary care providers and community care agencies across the West Midlands, this creates a persistent working capital gap that limits growth, strains management, and puts the sustainability of vital care services at risk.
Amber Finance is a Wolverhampton-based invoice finance broker with deep experience arranging funding for care sector businesses. We work with a panel of 50+ lenders, including specialists who understand the care sector's unique billing cycles, the challenges of local authority credit control, and the regulatory environment that care providers operate in.
Whether you run a small domiciliary care agency in Dudley, a community care provider in Wolverhampton, a supported living business in Birmingham, or a growing care group in Walsall, we can find the right invoice finance facility to keep your carers paid on time and your business growing sustainably.
Domiciliary and community care businesses face cashflow pressures that invoice finance is specifically designed to solve.
Councils and NHS commissioners routinely pay on 30–60 day terms, but carer wages cannot wait. Invoice finance eliminates this gap.
Care workers expect to be paid weekly. Without reliable cashflow, meeting payroll becomes a constant source of stress for care managers.
Winning a new local authority contract means hiring carers and funding training before the first invoice is raised. Invoice finance provides the working capital to grow.
CQC registration, DBS checks, training, PPE, and insurance are ongoing costs that cannot be deferred. Reliable cashflow keeps your business compliant.
Advance rate
Up to 90%
Funding speed
24 hours
Facility size
£100k – £5m+
Setup time
7–14 days
Domiciliary care providers — those delivering care in clients' own homes — are among the most cashflow-constrained businesses in the UK. You invoice local authorities for thousands of hours of care each week, but payment arrives weeks later while your carers expect their wages on Friday.
Invoice finance is the most effective solution for domiciliary care cashflow. By releasing up to 90% of your local authority invoices within 24 hours, you can meet weekly payroll, fund new carer recruitment, cover DBS and training costs, and take on new care packages with confidence — regardless of when the council pays.
Community care providers — including supported living, extra care, and mental health support services — face the same cashflow challenges as domiciliary providers, often compounded by complex commissioning arrangements and multiple funding streams from different local authorities and NHS bodies.
Amber Finance works with lenders who understand the complexity of community care funding. We can arrange invoice finance facilities that cover invoices from multiple commissioners, helping you manage cashflow across your entire portfolio of care contracts in Wolverhampton, Birmingham, Dudley, Walsall, and beyond.
Based in Wolverhampton, we arrange healthcare and social care invoice finance for providers throughout the West Midlands and beyond.
Domiciliary care invoice finance works by advancing up to 90% of the value of your local authority or NHS invoices within 24 hours of raising them. Care providers typically invoice councils and NHS commissioners on 30–60 day terms, but carer wages must be paid weekly. Invoice finance bridges this gap, releasing cash from your invoices immediately so you can meet payroll without delay. As a Wolverhampton-based broker, we work with lenders who understand the care sector's unique billing cycles and the challenges of local authority payment terms.
Yes. Many lenders on our panel will consider domiciliary and community care providers from as little as £100,000 annual turnover, including newer businesses that have been trading for less than two years. The key requirement is that you invoice other businesses or public sector bodies (local authorities, NHS, CCGs) on credit terms. We have helped numerous care agencies across Wolverhampton, Birmingham, Dudley, and Walsall access their first invoice finance facility.
Invoice finance is most commonly used for local authority and NHS invoices, as these are business-to-business debts that lenders are comfortable advancing against. Private-pay invoices (where the client is an individual) are generally not eligible, as most lenders only fund B2B debts. If your business is a mix of local authority and private-pay, we can arrange a facility that covers your eligible invoices while you continue to manage private-pay clients directly.
With factoring, the lender manages your credit control and chases local authority payments on your behalf — useful for smaller care agencies without a dedicated accounts function. Invoice discounting is confidential, meaning your clients (local authorities, NHS) do not know you are using finance and you retain control of collections. For care providers, factoring is often the preferred option as local authority credit control can be time-consuming.
Most domiciliary and community care providers in the West Midlands can have a facility in place within 7–14 working days of application. Once live, funds are typically released within 24 hours of submitting an invoice. Some lenders offer same-day funding for established facilities. We handle all the paperwork and lender negotiations on your behalf.
Absolutely. One of the biggest barriers to growth for care providers is the working capital needed to take on new contracts — hiring additional carers, funding DBS checks, training, and PPE before the first invoice is raised. Invoice finance provides the cashflow to onboard new staff and service new contracts without waiting for payment, enabling you to grow your care business sustainably.
We use cookies to improve your experience
We use analytics cookies (Google Analytics) to understand how visitors use our site so we can improve it. We never sell your data. Cookie Policy & Privacy Policy.