Assisted Living Financing Nationwide for Senior Care Facilities, $10K to $100M
🏡 Financing Built for Senior CareI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. Assisted living financing funds the moment a bank won’t, buying a senior care facility, building a new community, refinancing or renovating, or owning the real estate behind your operation. From a residential care home to a multi-building campus, I match you to lenders who fund assisted living, memory care and senior housing.
Assisted Living Financing for Every Stage
Whether you’re buying a senior care facility, building a new community, or expanding the one you run, there’s a path built for it. Here’s what assisted living financing commonly covers at every stage.
Facility Acquisition
Buy an established assisted living, memory care or residential care facility with residents and staff in place. SBA 7(a) fits owner-operated deals.
Ground-Up Construction
Build a new senior care community, land, construction and lease-up financing through to stabilized operations.
Real Estate and Refinance
Own the building or refinance existing debt with long-term, fixed-rate commercial real estate financing.
Renovation and Expansion
Add beds, a memory care wing or amenities. Finance renovations and value-add upgrades to grow census and revenue.
Bridge and Repositioning
Move fast on an acquisition or reposition an underperforming facility with short-term bridge financing.
Working Capital and Lease-Up
Cover payroll, staffing and operations through lease-up, or fund a second facility to build a senior care portfolio.
An Operator Bought a Senior Care Facility the Bank Moved Too Slowly On
A senior care operator found a profitable assisted living facility to acquire from an owner ready to retire, real estate and an in-place resident census included. The numbers were strong, but the seller needed a quick close and the bank wanted months of review.
They called me. I structured assisted living financing that paired SBA-backed financing for the owner-operated business and real estate with a bridge to hit the seller’s timeline, underwritten on the facility’s occupancy and cash flow. It funded fast, the operator closed on time, and stepped into a profitable, fully occupied community.
That’s what the right match looks like for a senior care operator. Don’t Beg the Bank! Get funded instead.
How I Fund Senior Care, the Right Tool for Each Need
Assisted living financing isn’t one product. The right structure depends on whether you’re buying, building or refinancing. I match you to the one that fits, tap any to explore it.
SBA 7(a) Loans
A primary vehicle for acquiring an owner-operated senior care facility, strong terms, often limited money down.
See SBA 7(a)Commercial Real Estate
Buy or refinance the facility real estate with long-term, fixed-rate commercial mortgage financing.
See commercial real estateSBA 504 Real Estate
Own the senior care real estate with long-term, fixed-rate SBA 504 financing for owner-operators.
See SBA 504Bridge and Construction
Building new or repositioning a facility? Short-term bridge and construction financing to your timeline.
See bridge loansWorking Capital
Cover payroll, staffing and operations through lease-up and census growth.
See working capitalLine of Credit
Revolving capital for the ups and downs of running a practice, draw only what you need.
See lines of creditQualifying for Assisted Living Financing
Assisted living financing is different from a generic business loan, because the real estate and the in-place census are valuable collateral. Lenders weigh occupancy, cash flow, your operating experience and the facility itself, so a strong operator with a solid facility is a strong borrower. I qualify deals honestly.
✅ What helps you qualify
- ✔Senior care operating experience and a plan to buy, build or run a facility.
- ✔Strong personal credit, the foundation for a new dentist with limited history.
- ✔For acquisition: a practice with solid, documented cash flow.
- ✔A down payment or contribution, which a parent or family member can help with.
💡 Straight talk
- →Owner-operated facilities fit SBA; larger or stabilized deals use conventional commercial real estate.
- →Occupancy and the facility’s cash flow drive the deal as much as your time in business.
- →Credit is flexible, there’s no single hard FICO floor; stronger credit means better terms.
- →Construction and bridge options exist for ground-up builds and repositioning plays.
Get Your Assisted Living Financing Options
A quick, no-pressure pre-qualification. I personally review every submission, no call center, no junior rep.
Got it. I’m on it.
Your assisted living financing request landed in my inbox. I personally review every submission and most responses go out within one business hour.
Watch for a call from me, Kevin Kermeen, I call directly, I don’t text.
Recent Assisted Living Financing From My Desk
A snapshot of the assisted living financing I match to lenders nationwide, facility by facility. Every dentist and practice is different, yours starts with a conversation.
Assisted Living Financing · SBA and Bridge
An operator acquired a profitable facility on a tight timeline, SBA plus a bridge, underwritten on occupancy and cash flow.
Ground-Up Construction
A developer financed land and construction for a new memory care community through to lease-up.
Real Estate Refinance
An owner refinanced an existing facility into long-term, fixed-rate commercial real estate financing.
How I Match Assisted Living Financing to the Right Lender
Not every lender understands senior care, an operating business and a real estate asset in one, and the ones that do compete hard for good facilities. I work with many, so I match your assisted living financing to the lender that funds your goal, acquisition, construction, refinance or expansion, and I review the options with you before you commit.
Here’s the reality for senior care. A facility is both an operating business and a real estate asset, which means the right structure depends on the deal. An owner-operated assisted living or residential care facility often fits SBA 7(a) or 504 financing, with the real estate as strong collateral and limited money down. Larger or stabilized communities move to conventional commercial real estate, and ground-up builds or repositioning plays use construction and bridge financing. I do not place HUD or agency paper; I match you to SBA, conventional and bridge lenders active in senior care. According to the U.S. Small Business Administration, the 7(a) and 504 programs support this kind of owner-operated business and real estate financing.
The right structure depends on what you’re doing. Buying or starting a practice usually runs through an SBA 7(a) loan, and broader options live across the SBA loan programs. The facility real estate is best matched to a commercial real estate loan or SBA 504, with the property as collateral. If you want to own the building, an SBA 504 loan or commercial real estate loan gives long-term, fixed-rate terms. Ground-up builds point to construction loans, repositioning to bridge loans, and lease-up and operations are covered by working capital loans or a business line of credit.
So tell me about the facility, buying, building or refinancing, and what you need. I’ll tell you honestly which assisted living financing structure fits, match you to the lender most likely to approve it, and stay with you through closing. Other healthcare providers, see my healthcare business loans hub, or compare every option on my loan programs page. Don’t Beg the Bank! Get funded instead.
Sources: U.S. Small Business Administration, 7(a) loan program and 504 loan program.
Straight Answers Before You Apply
What is assisted living financing?
Do you offer HUD or agency loans for senior care?
How do I finance buying a senior care facility?
Can I finance building a new senior care community?
How much can I borrow for a senior care facility?
What does it cost to work with you?
A Broker Who Knows Which Lenders Fund Senior Care
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, not a bank and not a lead-selling portal. Senior care lending has its own specialist lenders, and matching you to the right one, for an acquisition, construction, refinance or expansion, is the whole point of working with me. I do not place HUD or agency paper; I focus on SBA, conventional and bridge financing. I personally review every application, I call you directly, and I never text. For program details, see the SBA’s 7(a) loan program.
Don’t Beg the Bank!
Get Funded Instead.
Banks hand out umbrellas when the sun is shining, not when you’re weathering the storm … and they’ll stall a facility acquisition your seller can’t wait on. I match you to assisted living financing built for your deal … buy or build a facility, own the real estate, refinance or expand, and get a same-day callback from a broker who reviews every deal himself.
Loan amounts, terms, rates and funding speed shown reflect typical lender programs, not guarantees, and vary by lender, creditworthiness, practice performance, collateral and structure. Assisted living and senior care financing generally ranges from about $150,000 to $100 million depending on the facility, real estate and deal. Larger senior care and real estate transactions follow lender-specific leverage, term and timing; owner-occupied bridge financing typically carries terms of 6 to 60 months and closings of 15 to 30 days. I do not place HUD, FHA or other agency paper. *Practice acquisition and startup are commonly financed through SBA 7(a); SBA loans follow standard SBA timelines and eligibility, and “no two years of history needed” refers to acquisition loans underwritten on the target practice’s cash flow rather than the borrower’s prior business history. Credit is considered along with other factors; there is no single hard minimum FICO simply to apply, but stronger credit supports better rates and terms, and not all applicants are approved. *No upfront fees refers to fees payable to 75BizLoans.com; I am compensated by the lender at closing. Some partner lenders may require a commitment fee or deposit upon your acceptance of their term sheet; any such fee is the lender’s, is disclosed before you commit, and is separate from any compensation to me. Final eligibility, rate, term and structure are determined by the lender. This is not a commitment to lend. Same-day approvals are common when the application reaches me before 9am Arizona Time.