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Assisted Living Facilities Financing

Delivering customized bridge and permanent loan solutions for Assisted Living Facilities

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Assisted Living Facility Bridge Loan Program

Wilshire’s ALF FlexBridge^™ program delivers fast, flexible bridge capital for Assisted Living Facilities — combining the creativity of a boutique lender with the power of institutional execution on small balance bridge loans for regional owners and operators.

✔ Small Loan Focus – Below $10 Million
✔ Up to 75% LTC
✔ Value-Add / Opportunistic
✔ Unstabilized Properties
✔ Sub 1.0 DSCR considered
✔ Longer-Term Stabilization Plays
✔ Bridge-to-HUD
✔ Cash-Out to HUD

Whether you're navigating a lease-up, reposition, or cash-out refinance, ALF FlexBridge^™ provides the certainty and speed to close.

Close with confidence—even on complex, smaller deals.

Call us at (866) 575-5070 or contact us today with any questions related to financing an assisted living facility.

Financing for Assisted Living Facilities

For the past 15 years, Wilshire Finance Partners has specialized in financing senior housing facilities, specifically those who own or operate, or desire to own and operate, assisted living or memory care facilities.

As a direct lender with comprehensive financing options, Wilshire offers tailored solutions for senior housing and assisted living facilities. Through our strategic relationships, we also offer permanent financing from $1 million to $50 million. If you are looking for a loan to finance the acquisition of a facility, fund renovations to enhance care levels, or refinance an existing assisted living facility, Wilshire’s entrepreneurial approach and sage advice can help you find the right solution to meet your needs.

A short-term bridge loan (or interim financing) can be a smart resource for assisted living owners and operators keen on meeting business objectives while bridging the gap to stabilization. Value-add and opportunistic acquisitions can be lucrative senior housing investments, particularly because the business model is complex and nuanced—creating a higher barrier to entry compared to other real estate asset classes. Bridge lenders like Wilshire Finance Partners can create significant value through more flexible financing solutions, helping borrowers gain the time they need to strategically reach stabilization and create more value. Although that time and flexibility does result in higher interest rates, seniors housing owners can capitalize on market opportunities with Wilshire’s fast and flexible bridge loan financing.

Assisted Living Facility Bridge Loans

Loan Amount	$1,000,000 to $10,000,000
Term	Up to 5 Years
Rate	Fixed or Variable
Loan-To-Cost (LTC)	Up to 70%
Loan-To-Value "Stabilized" (SLTV)	Up to 65%
Purpose	Purchase, Rate and Term Refinance, Cash Out Refinance
Geographic Location	Nationwide
Recourse	Required

Assisted Living Facility Mezzanine Debt

Loan Amount	$1,000,000 to $10,000,000
Term	Up to 5 Years
Rate	Fixed or Variable
Loan-To-Cost (LTC)	Up to 70%
Loan-To-Value "Stabilized" (SLTV)	Up to 60%
Purpose	Purchase, Rate and Term Refinance, Cash Out Refinance
Geographic Location	Nationwide
Recourse	Required

Assisted Living Facility Second Lien

Loan Amount	$500,000 to $3,000,000
Term	Up to 3 Years
Rate	Fixed or Variable
Loan-To-Cost (LTC)	Up to 80%
Loan-To-Value "Stabilized" (SLTV)	Up to 65%
Purpose	Purchase
Geographic Location	Nationwide
Recourse	Required

Assisted Living Facility Hybrid Equity / Participating Loan

Loan Amount	$500,000 to $3,000,000
Term	Up to 3 Years
Rate	Fixed or Floating
Loan-To-Cost (LTC)	Up to 85%
Loan-To-Value "Stabilized" (SLTV)	Up to 65%
Purpose	Purchase, Value-add and Opportunistic Acquisitions
Geographic Location	Nationwide
Recourse	Required

Frequently Asked Questions

What types of assisted living facilities qualify for financing?

Wilshire provides bridge loan financing for purpose-built assisted living facilities, memory care communities, and senior housing properties across the U.S.

How fast can Wilshire close an assisted living facility loan?

Most loans can be closed in a matter of weeks, providing speed and certainty of execution when time is critical.

What can assisted living bridge loans be used for?

Bridge loans can be used for acquisitions, refinancing, renovations, expansions, or to stabilize operations before transitioning into long-term financing.

How does an assisted living facility bridge loan work?

An assisted living facility bridge loan provides short-term financing to cover acquisitions, renovations, refinancing, or operational improvements until permanent financing is secured. It’s a form of financing that is often used when traditional financing is unavailable or will take too long to obtain.

How do I get an assisted living facility bridge loan?

You can start by contacting Wilshire Finance Partners. Our team will review your request, property, and financial needs to tailor a financing solution.

What do I need to get an assisted living facility bridge loan?

You’ll need information about the property, financial statements, a business plan or operating plan, and details on how you plan to use the financing. Please contact Wilshire Finance Partners to answer any questions and to provide additional guidance on what is needed.

Who does assisted living facility bridge loans?

Wilshire Finance Partners specializes in providing bridge loans for assisted living facilities, memory care, continuing care retirement communities, independent living facilities, and other senior housing properties nationwide.

What makes Wilshire different from a traditional bank?

Unlike banks, Wilshire offers flexible terms, a faster closing process, and customized loan structures tailored to the unique needs of assisted living facility operators and investors.