Seniors Housing, Assisted Living & Memory Care Loans

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

*Benefits may vary by transaction and are subject to change. Connect with our team for specific details.

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

*Benefits may vary by transaction and are subject to change. Connect with our team for specific details.

In an industry where personalized service can be rare, CFG stands out as a trusted institution that genuinely cares.

“I highly recommend CFG to anyone seeking a bank and financial partner that prioritizes both financial stability and exceptional customer service. Because when uncertain situations arise, you want to be certain about your financial partner.”
Erickson Senior Living

We maintain correspondent relationships with approved Fannie Mae and Freddie Mac lenders so that we are able to deliver flexible, long-term financing designed for growth and stability in the seniors housing sector.

From acquisitions and refinances, to portfolio repositioning, our team assists our clients in structuring scalable Fannie Mae and Freddie Mac solutions with our approved lender partners 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 seniors housing and multifamily

*Benefits may vary by transaction and are subject to change. Connect with our team for specific details.

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.