A complete supported living business — registered company, 212-document library, 6 financial models, CQC registration pack, and full digital infrastructure. Ready to acquire and launch.
Hearthstone is a supported living service designed to provide person-centred accommodation and support for adults with learning disabilities, autism, mental health conditions, and physical disabilities. The service operates from a 4-bed residential property, with each resident receiving an individualised support plan funded by the local authority.
The revenue model is based on local authority commissioning — support hours funded through direct payments or council-commissioned packages. Demand for supported living in the UK consistently exceeds supply, with local authorities actively seeking new registered providers.
The venture is designed for CQC (Care Quality Commission) registration and includes the complete regulatory documentation required for the application process.
| Metric | Detail | Value |
|---|---|---|
| Year 2 Revenue | At full 4-bed occupancy | £334,800 |
| Year 2 Profit | After all operating costs | £59,860 |
| Operating Margin | Year 2 steady state | 17.9% |
| Break-Even Occupancy | Minimum beds required | 55% |
| Debt Service Coverage | vs bank 1.2x requirement | 3.9× |
| Owner-Operator Income | If you run it yourself | £113,349 |
| Syndicate Entry | Per person (5-person group) | £1,000 |
| Included | Detail |
|---|---|
| Legal & Corporate | |
| Registered UK Limited Company | Incorporated at Companies House, shares and directorship transferred to you |
| Documentation Library — 212 Documents | |
| Clinical Governance & Care Policies | Person-centred care, safeguarding, medication management, mental capacity, DoLS, infection control, and more |
| Operational Policies & Procedures | Health & safety, fire safety, data protection, complaints, whistleblowing, business continuity |
| HR Documentation | Employment contracts, staff handbook, DBS policy, supervision templates, training matrix |
| CQC Registration Pack | Statement of purpose, application evidence, provider compliance documentation |
| Quality Assurance Framework | Audit tools, action plans, KPI tracking, continuous improvement documentation |
| Risk Management | Risk registers, individual risk assessments, environmental risk tools |
| Financial Models — 6 Workbooks | |
| Financial Projections | 3-year revenue, cost, and profit projections with sensitivity analysis |
| Cash Flow Forecasts | Monthly cash flow with funding drawdown scenarios |
| Business Plan (Bank-Grade) | Written to the standard that commercial lending teams and Start Up Loan assessors expect |
| KPI Dashboard | Occupancy, revenue per bed, staff ratios, compliance metrics |
| Management Accounts Templates | Monthly P&L, balance sheet, variance analysis |
| Funding Application Mapping | Every assessor question mapped to the specific document that answers it |
| Digital Infrastructure | |
| Professional Website | Deployed and operational |
| Business Email | @hearthstone domain configured |
| Business Phone System | UK number with voicemail and IVR |
| 12 Months Managed Infrastructure | Hosting, email, phones, and technical support included |
| Scenario | How It Works | Projected Return |
|---|---|---|
| Owner-Operator | You hold or obtain the required qualifications, register as CQC manager, and run the service yourself. No external management salary needed. | £113,349/yr |
| Group / Syndicate | 5 people contribute £1,000 each. 3 register as directors and apply for Start Up Loans individually. Hire a qualified manager. | £11,972 each |
| Passive With Hired Management | Hire a qualified registered manager. You attend board meetings and review financials. Business runs autonomously. | £59,860/yr |
| Portfolio Builder | Launch site one. Once CQC registered and trading, adapt the documentation for site two. Majority of documents transfer directly. | £193,946 (3 sites) |
| Foreign / Remote Ownership | Own the company from abroad. Appoint a UK-based registered manager and director. Receive quarterly dividends. | £59,860/yr |
Hearthstone is specifically structured to support funding applications. The documentation library includes a funding application mapping — every question that Start Up Loan assessors and bank managers ask is mapped to the specific document that answers it.
Up to £25,000 per individual director. In a 3-director syndicate, that's up to £75,000 in combined unsecured funding at a fixed 6% rate. The documentation fee (£5,000) is recoverable from loan proceeds on day one.
Government-guaranteed lending up to £2 million through accredited high street banks. Your business plan and financial models meet the standard these lenders require.
Hearthstone's debt service coverage ratio of 3.9x significantly exceeds the 1.2x minimum banks typically require. Your documentation quality is your differentiator.
The lowest-barrier route. Five people contribute £1,000 each. Three register as directors and apply for individual Start Up Loans. Combined capital covers the full startup including property deposit, recruitment, and working capital.
Supported living services in England must be registered with the Care Quality Commission (CQC). The Hearthstone documentation library includes the complete CQC registration pack — statement of purpose, provider compliance documentation, and all supporting evidence required for the application.
Registration typically takes 12–16 weeks from submission. During this period, you can secure your property, recruit staff, and prepare for launch.
Local authorities across England are actively commissioning supported living placements. Demand consistently exceeds supply — particularly for high-quality providers with robust documentation and compliance frameworks. New providers with complete, professional documentation are well-positioned to secure commissioning agreements.
Important: The supported living sector requires CQC registration before you can accept placements. Allow 12–16 weeks for the registration process. Your Hearthstone documentation library is specifically prepared to support this application.
Includes registered company, 212 documents, 6 financial models, digital infrastructure, and 12 months managed support.
Speak to our team. We'll walk you through the documentation, the numbers, and the process.
