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Industries We Serve

Residential Assisted Living

Commercial loans for high-cash-flow RAL homes.

Overview

Financing for Residential Assisted Living

Residential Assisted Living (RAL) blends residential real estate with healthcare business cash flows. Converting a large single-family home into an assisted living facility requires specialized capital that understands both the real estate value and the business value.

We provide bridge loans for the conversion and retrofitting phase, and long-term commercial debt once the home is licensed and filled with residents.

Residential Assisted Living
Tailored Solutions

Common Financing Needs

RAL Bridge/Conversion

Capital to retrofit a house with sprinklers and ramps.

Permanent Refinance

Long-term debt once the facility is stabilized and licensed.

Business Expansion

Loans to acquire a second or third RAL home.

Recommended

Products for Residential Assisted Living

FAQ

Frequently Asked Questions

Get the facts on Residential Assisted Living.

Do you lend on RALs before they are licensed?
Yes, we offer bridge loans for the acquisition and renovation phase prior to licensing.
Is a RAL considered commercial or residential real estate?
Because of the business component, stabilized RALs are financed as commercial real estate.
Can I use an SBA loan for an RAL?
Yes, SBA 7(a) and 504 are excellent options for purchasing and retrofitting RALs.

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