Seniors housing lending & financing solutions

From independent living to assisted living and memory care, we deliver customized seniors housing financing to support growth, streamline operations, and navigate change with confidence. Whether acquiring, refinancing, or planning improvements, our flexible lending aligns with your vision and pace.

Bridge Lending FHA/HUD Financing Fannie Mae/Freddie Mac Commercial Banking

Our Bridge-to-HUD loans provide solutions give seniors housing owners and operators the capital to grow, reinvest, or reposition—whether through acquisitions, refinancing, renovations, or expansions. Structured to HUD 232 loan standards, these solutions simplify the process, reduce costs, and minimize take-out risk, while paving the way to long-term HUD financing. And with CFG, your relationship continues well beyond closing because we service the loan throughout its life.

BENEFITS

Loan amounts up to $1 billion

Flexible 18-60-month, interest-only terms

Variable rate financing structured for your specific needs

Underwritten, structured, and serviced to HUD & LEAN standards

We provide long-term, non-recourse HUD-insured loans for seniors housing owners and operators to finance acquisitions, refinancing, new development, or major renovations. Backed by decades of experience and a strong HUD partnership, our in-house team manages every step of the HUD 232 loan process—delivering a clear, efficient path from application to closing.

BENEFITS

Low, fixed interest rates with up to 40-year amortization

Non-recourse loans with minimal reporting requirements

Up to 85% loan-to-value and up to 100% loan-to-cost for eligible transactions

Fully assumable loans to support future ownership transitions

As an approved direct lender through Fannie Mae and Freddie Mac, we deliver flexible, long-term financing specifically for seniors housing owners and operators.

Whether you’re acquiring, refinancing, or repositioning assets, our team structures strategic, scalable seniors housing financing solutions that align with your investment strategy, goals, and timeline.

BENEFITS

Secure predictable payments with fixed-rate terms up to 30 years

Non-recourse loans with minimal reporting requirements

Up to 80% loan-to-value for eligible transactions

Products designed specifically for multifamily properties

Beyond lending, we provide commercial banking for seniors housing operators. From business checking and cash management to commercial lending and treasury services, we build custom strategies to support your operations, manage liquidity, and fuel growth.

With expert decision-making, competitive rates, and a relationship-first approach, we make banking faster, easier, and more personal—so you can focus on running and growing your seniors housing business.