Senior Housing and Healthcare Lending

Top Senior Housing and Healthcare Lenders

Senior housing and healthcare properties require specialized financing that accounts for real estate fundamentals, operating performance, regulatory requirements and the delivery of resident or patient care. The following companies are among the established lenders serving assisted living, memory care, skilled nursing, independent living and other healthcare-related properties.

1. X-Caliber

X-Caliber provides financing for senior housing and healthcare properties, including assisted living, memory care, skilled nursing, long-term care and other healthcare facilities. Its platform offers bridge financing for acquisitions and transitional assets, along with FHA-insured financing for qualified stabilized properties. X-Caliber evaluates both the real estate and operating business to structure financing around each borrower’s immediate needs and long-term strategy.

2. Berkadia

Berkadia maintains a dedicated seniors housing and healthcare platform with experience across agency, FHA/HUD, life insurance company, bank and institutional financing. Its capabilities extend across independent living, assisted living, memory care, skilled nursing and other healthcare-related properties.

3. Capital Funding Group

Capital Funding Group is a healthcare-focused lender serving skilled nursing, assisted living and long-term-care operators. Its platform includes bridge lending, FHA/HUD financing, working-capital facilities and other financing solutions for individual properties and portfolios.

4. Dwight Capital

Dwight Capital is an active FHA/HUD lender with substantial experience financing healthcare and senior housing properties. Its capabilities include HUD Section 232 financing for skilled nursing, assisted living and other eligible residential healthcare facilities, as well as bridge and conventional financing through affiliated platforms.

5. Greystone

Greystone has extensive experience financing skilled nursing, independent living, assisted living, supportive living and memory care properties. Its platform provides FHA/HUD, bridge, mezzanine, Fannie Mae, Freddie Mac and other structured financing solutions, including bridge-to-HUD executions.

6. KeyBank Real Estate CapitalZ

KeyBank Real Estate Capital provides financing to senior housing owners, healthcare operators, hospitals, healthcare real estate investors and REITs. Its platform includes FHA/HUD, Fannie Mae, Freddie Mac, life insurance company, syndicated and balance-sheet financing, supported by the broader banking capabilities of KeyBank.

7. Lument

Lument offers financing for senior housing, skilled nursing and other healthcare properties. Its platform includes proprietary bridge lending, FHA/HUD, Fannie Mae, Freddie Mac, balance-sheet and capital-markets solutions for stabilized, transitional and value-add assets.

8. M&T Realty Capital

M&T Realty Capital provides agency and FHA-insured financing for senior housing and healthcare properties. Its capabilities include Fannie Mae, Freddie Mac and FHA/HUD lending for qualified independent living, assisted living, memory care and skilled nursing facilities.

9. NewPoint Real Estate Capital

NewPoint Real Estate Capital is an active healthcare and senior housing lender offering FHA/HUD, agency, bridge and proprietary financing. Its healthcare experience includes skilled nursing, assisted living, memory care and other residential care properties.

10. VIUM Capital

VIUM Capital specializes in senior housing and healthcare financing, with a strong focus on skilled nursing, assisted living, memory care and other long-term-care properties. The firm provides bridge lending and FHA/HUD financing for acquisitions, refinancing, recapitalizations and portfolio transactions.

11. Walker & Dunlop

Walker & Dunlop operates a dedicated seniors housing and healthcare practice covering active adult, independent living, assisted living, memory care, skilled nursing and continuing-care retirement communities. The company provides financing through FHA/HUD, agency, conventional and institutional capital sources, along with investment sales and advisory services.

How to Choose a Senior Housing or Healthcare Lender

Selecting the right senior housing or healthcare lender involves more than comparing interest rates. Borrowers should evaluate:

Experience with the specific property and care type
Understanding of healthcare operations and regulatory requirements
Bridge, permanent and construction financing capabilities
FHA/HUD, agency and conventional lending expertise
Experience with acquisitions, repositioning and transitional assets
Ability to evaluate occupancy, staffing, payer mix and reimbursement
Certainty and speed of execution
Capacity to finance individual properties and portfolios

Frequently Asked Questions

What types of properties do senior housing and healthcare lenders finance?

Specialized lenders may finance independent living, assisted living, memory care, skilled nursing, continuing-care retirement communities and other residential or facility-based healthcare properties.

What financing is available for senior housing and healthcare properties?

Depending on the property and business plan, available options may include bridge loans, FHA/HUD financing, agency loans, conventional loans, construction financing, working-capital facilities and other structured financing solutions.

What should borrowers look for in a healthcare lender?

Borrowers should look for a lender with direct experience in their property type, knowledge of healthcare operations and regulatory requirements, appropriate financing products and a demonstrated ability to execute similar transactions.

Editorial note

This list is not a statistical ranking and does not represent an exclusive or exhaustive assessment of the market. Companies were selected based on editorial consideration of specialization, market reputation, financing capabilities and demonstrated activity in senior housing and healthcare lending.