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Healthcare & Senior Housing Financing

Healthcare & Senior Housing Loans

Financing for assisted living, skilled nursing and memory care, plus medical and veterinary practices. Bridge, SBA and HUD-insured loans for acquisition, construction and refinance.

Financing90%Up to, through SBA
HUD 23240 yrsFixed rate, non-recourse
Bridge80%Up to, of purchase price
Bridge term2 yrsUp to, interest-only
Eligible properties and practices

Specialized lending for care providers

Healthcare real estate depends on licensing, staffing and reimbursement. We work with lenders that underwrite operators, not just buildings.

Assisted living

Assisted living and memory care communities.

Skilled nursing

Skilled nursing and sub-acute facilities.

Senior housing

Independent living and senior housing communities.

Medical office

Build or buy space for a medical practice.

Veterinary

Practice acquisitions, construction and improvements.

Home care and practices

Practice acquisitions, expansion and equipment.

Program terms

Healthcare loan terms

The best terms available across our lending partners. Final terms depend on the facility, its operating history, licensing and the operator.

SBA 7(a) and 504
Up to 90% financing for owner-operators of assisted living, skilled nursing and practices
HUD 232
Senior housing and healthcare facilities; up to 40 years, fixed rate, fully amortizing, non-recourse
Bridge
$500,000 – $6,000,000; up to 70% LTV and 80% of purchase price; up to 2 years
Bridge eligibility
Assisted living, skilled nursing and sub-acute facilities with 50 or more beds
Loan purposes
Acquisition, construction, expansion, renovation, refinance and permanent financing
Practice financing
Practice acquisitions, buying or building space, and equipment for medical and veterinary practices
Markets
Texas and nationwide
How it works

From operating history to closing

Send the facility or practice

Share the operating statements, census or patient volume, licensing and your plans.

Match the capital

We compare SBA, bridge and HUD options and bring back the best fit.

Close and stabilize

Close, then refinance to long-term HUD or bank financing once the operation is stabilized.

What you'll need

Documents checklist

  • Trailing 12-month and prior 2 years of operating statements
  • Census, occupancy or patient volume history
  • State licensing and most recent survey or inspection
  • Operator or practitioner resume
  • Purchase contract, payoff or construction budget
  • Personal financial statement for each guarantor
  • Property insurance
Example

Bridge to HUD

A bridge loan funds the acquisition. A HUD 232 loan takes it out once the facility is stabilized.

Bridge now, HUD 232 after stabilization
Facility purchase price$5,000,000 Bridge loan (80% of price)$4,000,000 Your equity$1,000,000

Illustration only. Bridge leverage is also limited to about 70% of value. HUD 232 loans are subject to HUD approval and timelines.

Common questions

Healthcare financing FAQ

Do you finance skilled nursing facilities?

Yes, including skilled nursing and sub-acute facilities. Bridge programs generally require 50 or more beds.

What is HUD 232?

A HUD-insured program for senior housing and healthcare facilities, with fixed rates for up to 40 years and no personal recourse.

Can I buy a medical or veterinary practice?

Yes. Practice acquisitions can be financed with SBA or conventional loans. See business acquisition loans.

Can you finance new construction?

Yes. Construction and expansion financing is available for senior care facilities.

Do lenders look at the operator?

Yes. Operator experience, licensing and survey history matter as much as the real estate.

Financing a care facility or practice?

Tell us about the property and the operator. We'll find the right lender.

Get Started

Terms shown are the best available across Capital Lending Group's lending partners as of October 2026 and change without notice. Not every borrower or property qualifies for every term. Loan amounts, leverage, terms and eligibility vary by lender, property, market, experience, credit profile and state. Business-purpose financing only. All loans are subject to lender review and approval. Capital Lending Group, LLC is a loan broker, not the lender. HUD and SBA programs are subject to agency approval; Capital Lending Group is not affiliated with HUD or the SBA.