From Surviving to Thriving: Financial Strategy for Care Homes
Get CFO-level financial insight without CFO-level cost. We typically identify £50k+ in annual improvements for care home operators — helping you understand your margins, manage cash flow, and make confident decisions.
Sound Familiar?
These are the challenges we hear from care home operators every week.
Margins Are Getting Squeezed
You know profitability is under pressure, but you're not sure exactly where the money is going or how to fix it.
Numbers Without Strategy
Your accountant gives you year-end numbers, but no strategic advice on what to do with them. Compliance, not guidance.
Unpredictable Cash Flow
Cash feels tight some months, fine others. You don't have visibility into what's coming and can't plan ahead with confidence.
Decisions Without Data
Major financial decisions - expansion, fees, staffing - made without complete information or strategic analysis.
What a Fractional CFO Does For You
Think of us as your part-time Finance Director - strategic financial expertise when you need it, without the overhead.
Financial Analysis & Reporting
Understand your true cost per occupied bed, margin by resident type, and exactly where money is leaking. Clear monthly dashboards you can actually use.
Cash Flow Management
13-week rolling cash forecasts so you see problems before they hit. No more month-end surprises or scrambling for liquidity.
Budgeting & Forecasting
Annual budgets built on realistic assumptions. Monthly tracking against plan so you know exactly where you stand, always.
Strategic Financial Planning
Investment decisions, expansion analysis, fee negotiations, refinancing options - informed by proper financial modelling.
Board & Bank Reporting
Professional financial reports for your board, bank, or investors. The kind of reporting that builds confidence and credibility.
Margin Improvement Analysis
Identify and quantify improvement opportunities across your operation. Most clients find £50k+ in the first diagnostic.
How It Works
Start with clarity, build towards strategic control.
Free Diagnostic Call
30 minutes to understand your situation, review key metrics, and identify immediate opportunities.
Deep-Dive Analysis
If we're a fit, we conduct a full financial diagnostic. You receive a comprehensive report with actionable recommendations.
Monthly Partnership
Ongoing CFO support: monthly reviews, rolling forecasts, strategy calls, and unlimited email support.
Continuous Improvement
We track progress, identify new opportunities, and help you build sustainable financial strength.
Why Care Home Operators Choose Clearwins
We're not general management consultants who dabble in care homes. We're care sector specialists with deep healthcare finance expertise.
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Care Sector Specialists
We work exclusively with healthcare and care sector businesses. We understand your commissioning environment, regulatory pressures, and operational realities.
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Flexible Engagement
Monthly retainer, project work, or ad-hoc support. Whatever fits your needs and budget. Scale up or down as circumstances change.
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Actionable Insight
Not just reports - recommendations you can implement. We focus on practical improvements that deliver measurable results.
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Local Understanding
Based in Kent, serving operators across Kent, Essex, and North East London. We understand your local commissioning environment.
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Founder, Clearwins Consulting
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What Our Clients Say
Care home operators who've gained financial clarity and control.
"Working with Clearwins transformed how we manage our finances. For the first time, I actually understand where our money goes. We've improved our margins by 8% in the first year."
Investment & Engagement Options
Flexible packages based on your needs and home size.
CFO Diagnostic
£1,500
One-time deep dive analysis
- Full financial diagnostic
- Cost per occupied bed analysis
- 13-week cash flow forecast
- Margin improvement opportunities
- Written recommendations report
💡 If we don't identify at least £50k in improvements, you pay nothing.
Monthly CFO Support
£750 /month
Ongoing strategic partnership
- Monthly management accounts review
- Rolling cash flow forecast
- Monthly strategy call (1 hour)
- Unlimited email support
- Quarterly board reporting
Compare: Full-time FD salary £70k-100k+
Care Home Finance Health Check
10 warning signs your care home's finances need attention. Take 5 minutes to see where you stand and what needs immediate attention.
Frequently Asked Questions
A fractional CFO provides the strategic financial expertise of a Finance Director on a part-time or project basis. You get senior-level guidance and analysis without the full-time salary commitment. Think of it as having a Finance Director on call when you need them.
Your accountant handles compliance - year-end accounts, tax returns, statutory filings. They look backwards. A CFO provides strategic input: what should you DO with this information? Should you expand? Where are you losing money? How do you improve margins? We look forwards and help you make better decisions.
No. We work alongside your accountant, using their numbers to provide strategic insight. They focus on compliance; we focus on strategy and improvement. The two roles complement each other.
Typically monthly for a strategy review call, plus ongoing email support throughout the month. We can adjust frequency based on your needs - some clients prefer fortnightly check-ins during busy periods.
We work with independent operators running 1-10 homes. Whether you're a single-home owner seeking more control, or a growing operator with multiple sites needing proper financial infrastructure, we can help.
Most clients see 3-5x return on their investment through a combination of: recovered revenue from billing/pricing issues, reduced costs from identified inefficiencies, improved cash management reducing overdraft usage, and better decision-making avoiding costly mistakes. Our diagnostic alone typically identifies £50k+ in improvement opportunities.
Ready to Take Control of Your Finances?
Book a free 30-minute CFO diagnostic call. We'll review your key metrics, identify quick wins, and outline a path forward.
Or email [EMAIL] and we'll get back to you within 24 hours.