Industry Financing
Senior Living & Assisted Living Financing
Acquisition, construction, and expansion financing for assisted living facilities, residential care homes, and senior housing operators.
Check Your Eligibility →Funding Amount
$250K – $25M
Typical Terms
5–30 years
Rates Starting At
6%
What We Finance
Senior living is one of the most capital-intensive and fastest-growing segments in commercial real estate. An aging U.S. population creates sustained demand, and lenders are highly active in this space through both SBA and conventional programs.
- •Assisted living facility acquisition financing
- •SBA 7(a) for licensed residential care home operators
- •Construction loans for new facility development
- •Real estate refinancing and cash-out for expansion
- •Bridge loans for acquisition-to-stabilization deals
- •Working capital for new facility ramp-up period
Business Types We Work With
- ✓Residential care homes (6-bed, licensed)
- ✓Assisted living communities (25–100+ units)
- ✓Memory care and dementia facilities
- ✓Independent living communities
- ✓Skilled nursing facilities (SNFs)
- ✓Adult day services centers
Why Lenders Approve This Industry
Licensed senior care operators have state-regulated revenue, high barriers to entry, and an expanding demographic base. Real estate is strong collateral. CMHC, HUD, and SBA all have active programs in senior housing.
Typical Qualification Requirements
- ✓State residential care license or assisted living license
- ✓1+ year operating or documented acquisition target
- ✓660+ credit score
- ✓For real estate: appraisal and Phase I environmental
- ✓For construction: full project pro forma and experience documentation
Requirements vary by program and lender. Many businesses that were declined elsewhere qualify through our network.