Skip to content
Working with care providers across England

Services · Registration and start-up

Whether the numbers hold

Financial viability is a regulatory requirement, not a formality. CQC expects you to show you can staff the service safely, meet what you owe, and keep going.

Most plans that fail viability are not bad businesses

They fail because the model was built on assumptions rather than costs — a staffing ratio that looks right on paper, an occupancy curve nobody tested, overheads estimated rather than quoted.

The regulator is looking for the same thing a lender is: whether income, expenditure and the operational reality of delivering care actually line up.

Financial stability underpins safe staffing, and safe staffing is what the whole registration rests on. That is why this is assessed rather than accepted.

Before the lease, not after it

If you are not sure the numbers work, find out before you sign. This is usually the cheapest thing you will ever pay us for.

Talk it through

What it is

An assessment built to survive being questioned, because it will be.

Built from real costs

Actual staffing, actual overheads, actual delivery requirements — not sector averages.

Forecasting you can defend

Projections that hold up under questioning, because someone will question them.

Positioned for the reader

The same assessment often has to satisfy a regulator, a lender and an investor.

What it covers, and what it does not

This is an assessment, not bookkeeping and not an audit. We do not do your accounts.

Where the assessment shows the model does not work, the deliverable is that finding — clearly, with the reasoning — rather than a version that says otherwise. That happens, and it is worth paying for. Finding out now costs a fraction of finding out in month nine.

Fees are quoted before any work starts. Nothing on this page is an offer.

Who it is for

Anyone registering

A new service, where viability evidence forms part of the application.

Providers under scrutiny

Where financial sustainability has been questioned by a regulator or a commissioner.

Anyone writing a business plan

Where the plan and the viability assessment have to agree with each other.

Send us the numbers. We will tell you whether they hold.

Thirty minutes, no charge. A draft staffing model and your overhead assumptions are enough to have a useful conversation — do not tidy anything up first.

Call us

020 3856 8549

Someone answers, including out of hours.

Text or WhatsApp

07426 919823

If it is easier to write it down than say it out loud, send a message.

Email us

Send the model as it stands. Rough is fine and more honest.

The figures, before anyone has committed to them.

The Care Business
Consultants

Care · Compliance · Development ·
Specialist accommodation

MCB-HUB Ltd T/A The Care Business Consultants

England and Wales · Company No. 13962703

Registered office: Generator Building, Counterslip, Bristol BS1 6BX

VAT registration: GB 479 0951 48

ICO registration: ZB312478

Professional indemnity insured

Talk to us

+44 20 3856 8549Landline

07426 919823Text or WhatsApp

[email protected]

Coverage England. London and Greater London in person, and providers throughout the rest of the country.
© 2026 MCB-HUB Ltd, trading as The Care Business Consultants.