ALF FlexBridge™
Fast, Flexible Loans for Senior Housing
ALF FlexBridge™
Wilshire’s ALF FlexBridge program provides short-term, non-traditional financing for assisted living facilities and senior housing operators who need speed, flexibility, and certainty of closing. Whether you're acquiring a facility, refinancing an existing loan, or repositioning a value-add property, ALF FlexBridge can get you from term sheet to funding fast.
What Is ALF FlexBridge?
ALF FlexBridge is a bridge loan program tailored for Independent Living Facilities (IL), Assisted Living Facilities (ALF), Memory Care Facilities (MC), Continuing Care Retirement Communities (CCRC), and other senior housing properties. Wilshire Finance Partners is a non-bank, direct balance sheet lender and we designed our ALF FlexBridge program for owners and operators who need faster capital and/or more flexible underwriting.
When opportunity knocks - whether it’s an off-market acquisition, transitional asset, or a refinance on a tight timeline - ALF FlexBridge helps you answer with confidence.
Fast funding
Flexible, tailor-made solutions
Direct, balance sheet lender
When opportunity knocks - whether it’s an off-market acquisition, transitional asset, or a refinance on a tight timeline - ALF FlexBridge helps you answer with confidence.
Fast funding
Flexible, tailor-made solutions
Direct, balance sheet lender
ALF FlexBridge Program Snapshot
Program Feature
ALF FlexBridge Terms
Loan Amount
$1 million – $10 million
Loan-to-Cost (LTC)
Up to 75%
Term Length
6 to 36 months
Amortization
Interest-only
Closing Speed
Weeks
Eligible Properties
Assisted Living Facilities (ALF), Memory Care Facilities (MC), Continuing Care Retirement Communities (CCRC), and Independent Living Facilities (IL)
Use of Funds
Acquisition, Refinance, Cash-Out, Value-Add, and Special Situations
ALF FlexBridge Vs. Traditional Loans
Feature
ALF FlexBridge (Wilshire)
Traditional Loans
Speed to Close
Weeks
3 to 12 Months
Loan Term
6 to 36 months
5 to 35 years
Interest-Only Option
Interest-only for full loan term
Rare or limited
Underwriting
Flexible, tailor-made solutions
Rigid guidelines & covenants
Use Cases
Transitional and stabilized properties; special situations
Stabilized properties
LTC / Leverage
Up to 75%
Up to 80%
Approval Process
Fast internal approvals
Committee-based, longer timelines
Exit Strategy
Sale or refinance
Sale, refinance or long-term hold
Certainty of Execution
High - direct balance sheet lender
Conditional - may be subject to both internal and external approvals
Why Wilshire Finance Partners?
- 40+ years of experience in real estate and healthcare finance
- Trusted by owners, operators, brokers, and investors across the U.S.
- Uses own money to close – no outside approvals, no middlemen, no runaround
If you have questions about your scenario, feel free to give us a call at (866) 575-5070 or provide deal details here.
Frequently Asked Questions
What is ALF FlexBridge?
ALF FlexBridge is a flexible bridge loan program offered by Wilshire Finance Partners for assisted living facilities and other types of senior housing properties. It's designed for fast funding of acquisitions, refinances, and repositioning efforts where traditional lenders often can’t perform.
Who qualifies for ALF FlexBridge?
Experienced senior housing owners and operators, and other sponsors with a strong business plan and track record in senior housing. We consider the property, the sponsor, the structure, the goals, and the plan.
What types of properties are eligible?
Assisted Living Facilities (ALF), Memory Care Facilities (MC), Independent Living Facilities (IL), Continuing Care Retirement Communities (CCRC), and other senior housing types.
How fast can you close?
We can close in weeks from signed term sheet.
Do I need prior ALF experience?
We bet on the jockey, not the horse. While we evaluate each opportunity based on current and projected property performance, sponsor experience is an important consideration when we deploy capital. Senior team members of the sponsor should have market knowledge and experience owning and/or operating the senior housing type they would like us to finance.
Ready to Close? Let’s Talk.
Submit a deal or schedule a quick call — Wilshire’s ALF FlexBridge program can help you close faster, move confidently, and seize the opportunity.
