Skilled nursing lending & financing solutions

With over 30 years of experience in skilled nursing financing, CFG Bank brings unmatched expertise to healthcare operators nationwide. From bridge-to-HUD loans and HUD 232 financing to working capital and receivables funding, we provide flexible, personalized financial solutions that help facilities grow, adapt, and thrive.

Bridge Lending FHA/HUD Financing Accounts Receivable Working Capital Commercial Banking

When timing matters, our Bridge-to-HUD solutions help skilled nursing operators secure capital for acquisitions, refinancing, renovations, additions, or conversions—while preparing for a seamless transition to long-term HUD financing.

We structure deals to meet HUD 232 standards, reducing take-out risk, streamlining the application process, and minimizing costs. And once your loan closes, we continue servicing it for the life of the loan.

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

Our long-term, non-recourse HUD-insured loans provide reliable capital for skilled nursing facility owners and operators for acquisitions, refinancing, new construction, or substantial rehabilitation.

With a long-standing relationship with HUD and deep expertise in HUD 232 programs, we manage the entire FHA/HUD process in-house—from document preparation to application submission—so you have a streamlined, efficient path 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

Skilled nursing operators often face long payment cycles from Medicare, Medicaid, and private insurers, which can strain cash flow and limit growth.

Our accounts receivable financing solutions unlock the value of your receivables today, so you can fund operations, meet payroll, and invest in facility improvements without waiting on reimbursements.

BENEFITS

Immediate access to capital based on eligible receivables

Improved cash flow to cover payroll and operating expenses

Customizable solutions tailored to your payer mix and reimbursement cycles

Ongoing support and relationship-driven service

Compared to accounts receivable financing, working capital financing provides broader, more flexible capital to support your day-to-day operations—whether or not you have outstanding invoices.

We offer revolving lines of credit and term loans designed for skilled nursing facilities, helping operators manage expenses, invest in improvements, or bridge short-term cash flow gaps.

BENEFITS

Quick and efficient execution timelines

No equity transaction required

Flexible capital for operations, debt refinance, or acquisitions

Additional solutions including term loans and letters of credit

From business checking and deposit accounts to cash management and treasury services, our team builds 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 business.