M&D Care

M&D Care gives its Service Users something rare: Independence for every resident, with just the right level of individualised support.  

Its Service Users live in residential, domiciliary, and supported living settings, often requiring varying degrees of care depending on their personal needs.  

Part of achieving that mission is giving them the financial means to buy what they need, when they need it. Often, in traditional care settings, providing Service Users with spending freedom comes with a trade-off between autonomy and safety.  

Can care workers empower individuals financially without having to compromise on accountability or compliance? With Soldo, M&D Care has proved they can.  

Using Soldo, Service Users at M&D Care’s residential, domiciliary, and supported living facilities can make every small but meaningful purchase as they would in daily life. Toiletries, groceries, emergency medicine. It’s all a part of living freely. 

Commercial Manager Suzanne Rogers spoke to us about how the organisation used has used Soldo in the past six months to restructure the way they organise, distribute, and report on spend. 

The challenge: How cash flows through M&D Care  

Before M&D began working with card providers, the care organisation used cash for everything. So much so that a member of the Head Office team would visit the local bank once every week to withdraw weekly budgeted money. The security risk made the finance team nervous. Then came the operational strain. 

Manually distributing the cash to individual care homes added more operational strain. A member of the finance team would spend an entire day organising cash into individual “purses” for each home. Once the cash was correctly distributed, there was the question of accountability.  

Every time a cash purchase was made, the carer who handled the transaction would record it in a petty cash log. The manual-nature of their reconciliation system meant errors were inevitable, no matter how careful staff were. The sheer volume of transactions increased the chances of oversight, duplication, or missing records.  

M&D Care made practical choices based on the tools and systems available until new demands called for a more scalable solution. They took on board a spend management software that promised to streamline spending, reduce manual admin, and improve visibility across their homes. It worked – for a while.  

But as the business grew and the amount of care homes increased, the tool lost its effectiveness. Yet again, M&D Care were on the market for a spend management platform. This time, they looked for one that could handle complexity – no matter how fast the organisation expanded. 

The Solution and impact: What M&D care was looking for in a spend management tool

Scalability and multi-site support 

M&D Care had outgrown their previous solution when they found Soldo. They needed a platform that could scale alongside their growth, simplify financial processes, and reduce the risks of managing cash across the organisation. 

Why M&D chose Soldo:  

• Centralised control in 23 properties with 20–30+ cards – some assigned to individual Service Users and the rest reserved to cover specific spending categories, like food, activities, personal needs, and ad hoc expenses. 
• Visibility into real-time spending, helping the finance team track purchases, catch errors early, and ensure accountability across every home. 
• Easily assignable and transferable cards that move with Service Users as they transition between homes. No need to issue new cards or reallocate balances manually. 

Soldo’s impact: “Seeing exactly where money is going across every home has helped us make smarter decisions, tighten up our controls, and support our staff more effectively.” 

Operational efficiency 

M&D Care wanted to remove the manual and time-intensive processes the came with accurately distributing money throughout its organisation. Because manually loading funds onto multiple cards took an entire day every week, the organisation needed a faster, more scalable solution. Why M&D Care chose Soldo: 

• Automated top-ups freeing up staff from spending hours each week managing card balances. 
• Quick card assignment means Service Users can take their independence with them, no matter which home they move to or how their support needs change. 
• Reduced errors from manual reconciliation. 

Soldo’s impact: “With automated top-ups, we’ve gone from spending 8 hours every Monday to having funds transferred with no intervention at all. It’s easily one of the best features of Soldo.” 

Risk reduction and safety 

Care environments involve vulnerable individuals, so safety was a major consideration in choosing M&D Care’s next spend management solution.  

Why M&D Care chose Soldo:  

• Continued to use as a replacement for cash, helping M&D Care avoid theft, misuse, or error, and removed one of the industry’s biggest risks in securely managing funds for vulnerable individuals. 
• Controlled access to funds, allowing Service Users to access funds when needed without exposing individuals to unnecessary risk. 
• Staff-controlled cards with real-time insight that allows M&D Care’s finance team to quickly spot errors and maintain full accountability without micromanaging individual purchases. 

Soldo’s impact: “There’s no loose cash, no manual logs to chase, and we can see every transaction in real time. It’s completely transformed how we manage risk across the organisation.”  

Real-time visibility and oversight  

With a 48-hour delay in reporting from its previous spend management solution, M&D Care lacked the immediacy needed to stay on top of spending across its homes. The organisation needed greater transparency to enable quick, informed decision-making and proactive support for its care teams. 

Why M&D Care chose Soldo:  

• Live transaction monitoring with instant insights that allow the finance team to see purchases as they happen, intervene faster, and maintain tighter financial control. 
• Families of Service Users can top-up, track, and manage funds as and when needed without the need for constant coordination or manual intervention from staff. 
• Ability to track and correct errors such as misused expense codes that are immediately visible – and, as a result, quickly fixable.  

Soldo’s impact: “Pulling up a report takes seconds, which means our finance team knows what’s happening sooner – and can act before small issues become big problems.” 

The future: the new standard of finance to support personal wellbeing

M&D Care has set the standards for how Finance can support personal wellbeing.  

Using Soldo, the organisation has enabled the finance team to see spending as it happens, track every penny in its network of homes, and give staff the tools they need to act quickly, accurately, and responsibly.   

Now, it’s ready to scale with confidence and open a new home to welcome even more Service Users – safe in the knowledge that its financial operations are just as people-centred as its care.