Assisted Living Lending | Small Business Lending, Inc.
Senior care financing

Assisted Living Lending

SBA 504 and 7(a) financing for assisted living facility acquisitions, construction, expansion, and the equipment senior care operations depend on.

Program overview

Financing built around licensing, staffing, and real estate together

Assisted living and senior care operations combine real estate, specialized equipment, and licensing requirements in a way general commercial lenders often aren't equipped to evaluate. We structure financing primarily through SBA 504 for facility real estate and construction, with SBA 7(a) available for acquisitions, equipment, and working capital, and work with lenders who understand the operating model.

What These Loans Can Finance

Facility Acquisitions

Purchase an existing assisted living or senior care facility, real estate included.

Construction & Expansion

Build a new facility or expand capacity at an existing location.

Specialized Equipment

Finance mobility, medical, and care-related equipment the facility requires.

Working Capital

Fund staffing, licensing costs, and operating capital during a transition or expansion.

Refinance Existing Debt

Refinance an existing facility loan to improve terms or fund improvements.

Facility Types We Regularly Finance
Assisted Living Facilities
Memory Care Facilities
Independent Senior Living
Group Homes & Residential Care
Our role

Structuring around licensing, staffing, and real estate together.

Operational review

We review licensing status, staffing plans, and occupancy history as part of the request.

Deal structuring

We structure the real estate, equipment, and working capital components together.

Lender matching

We place the request with a lender experienced in senior care underwriting.

Through closing

We stay engaged through underwriting, licensing conditions, and funding.