For more than 40 years, Market Capital Lending has helped operators and investors finance care and residential properties — part of the $375 million+ we've arranged for our clients. Senior housing is a special-use asset that pairs real estate with an operating business, and we finance it through SBA (for owner-operators, including goodwill), conventional, and agency programs. We're a veteran-owned, SBA-approved broker. Below, here's how senior housing financing works.
Financing owner-operated vs. investment senior housing
The right structure depends on the property and operator:
- Owner-operated care facilities — a special-use business where SBA 7(a)/504 can finance the real estate and the going-concern goodwill, with lower down payments.
- Investment / larger communities — conventional commercial and agency programs underwrite on the property's income and value; for the residential side, see our multifamily financing.
What we finance
We arrange senior housing acquisitions, ground-up development, expansions, and refinances — for assisted living, residential care homes, and related facilities. For repositioning or quick closings, a bridge loan can carry a property until it stabilizes.
Why choose Market Capital Lending
Senior housing is lender-specific — appetite varies widely by facility type, licensing, and operator. As a veteran-owned broker with a network of 40–50 lenders, 40+ years of experience, and $375M+ funded, we match your project to a lender comfortable with the category. Start your application or call us.
Frequently asked questions
Can I use an SBA loan for an assisted living or senior care facility?
For owner-operated facilities, yes — SBA 7(a)/504 can finance the real estate and the business goodwill. Larger or investment communities typically use conventional or agency financing.
What senior housing types do you finance?
Assisted living, residential care homes, and related facilities — through acquisition, construction, expansion, and refinance.
How do lenders underwrite senior housing?
On the property's income, occupancy, and value, the facility type and licensing, and the operator's experience and credit.
Can you finance new senior housing development?
Yes — ground-up development can be financed with a construction loan and a path to permanent financing.