Most lenders see a house and stop. We finance licensed assisted living and residential care facilities — purchase, refinance, and cash-out:
Underwriters can’t decide what it is.
A licensed care facility is a business operating inside a home. Residential underwriting misses the operation; commercial underwriting sees a house on a normal street. The file bounces between desks until the contract expires, or the owner takes hard money just to close. That gap is exactly what we finance.
Purchase the building you lease, refinance out of hard money, or pull cash out to add beds or acquire the next facility. We underwrite the asset for what it actually is — a licensed, operating care business — not a mismatched residential file.
It isn’t a credit problem — it’s a category problem. Conventional guidelines have no box for a licensed operation inside a residential structure, so strong, occupied, well-run facilities get declined by lenders who simply have no product for them.
Whether you’re buying the facility you currently run, refinancing out of expensive short-term debt, or expanding to your next location, there’s likely a path that fits.
If a client has a licensed ALF or RCFE that a bank or SBA lender couldn't place, bring it to us. Register once to submit and price scenarios across our full suite.
Send the property address, license status, and whether it’s a purchase or a refinance. That’s enough for a straight answer on whether it’s placeable.
Prefer to talk? Call (213) 867-4223 · Text us
Business-purpose loans on licensed care facilities only. Not for consumer-purpose or primary-residence transactions. Program terms are indicative, vary by borrower, property, and lender, and are subject to underwriting approval and program availability. RCFE financing availability varies by state. Not a commitment to lend.