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Assisted Living Facility Loan Program.

EBSC Lending

Short-term, asset-based financing for assisted living and memory care real estate—structured for speed, certainty, and clean execution.

EBSC Lending helps assisted living facilities stabilize and ramp up operations with long-term, flexible healthcare loans for acquiring, building, renovating, or refinancing senior housing. We're committed to leveraging our industry-leading platform to help owners, operators and lenders succeed, even during turbulent times.

Program Highlights.

Loan Program Overview.

  • Assisted living, memory care, and select independent living (case-by-case)

  • Acquisition, refinance, payoff of maturing debt, and cash-out (when supported)

  • Transitional bridge capital for stabilization, renovations, and operational improvements

  • Underwriting considers both real estate + operations (census, payer mix, compliance, management)

Standard Loan Terms.

  • Loan Amount Range: $5,000,000.00 - $100,000,000.00

  • Interest Rate: Starting from 9.76%

  • Term: 12– 60 months

  • Payments: Interest Only with balloon at maturity.

  • Prepayment Penalty: None

  • Amortization: Interest Only.

​Typical Use Cases

  • Acquisition financing for stabilized or near-stabilized assisted living / memory care facilities

  • Refinance of maturing debt with a defined takeout plan

  • Cash-out refinance for capex, reserves, repositioning, or operator transition (when supported)

  • Funding for renovations, life-safety upgrades, and amenity refresh (scope-driven)

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Requirements (What We Typically Need)

  • Executive summary + requested terms + sources/uses

  • Current facility overview: unit count/beds, care levels, square footage, year built, recent capex

  • Trailing financials (T-12) + YTD P&L + budget/forecast

  • Current census report and 90–180 day trend (move-ins/move-outs)

  • Rate sheet / resident fee schedule and payer mix summary

  • Rent roll (if applicable) and other income detail (care fees, ancillary services)

  • ​Complete the loan application form available at https://www.ebsc-llc.com/applynow

Origination Points / Deposit Policy.

Origination points are 1–5 points, typically due upfront when the Commitment Letter/Fee Letter is executed (prior to closing). Points vary by loan type, size, and term and cover underwriting, processing, legal, third-party reports (appraisal/environmental), and diligence costs. Fees are non-negotiable; no escrows and not deducted from proceeds—requests to do so are automatic disqualification. If the loan does not fund, the deposit is refunded​

All loan programs and terms are subject to underwriting, due diligence, and credit approval. Nothing on this page constitutes a commitment to lend. Loan terms may vary based on property, market, sponsorship, leverage, and execution requirements.

All loan programs and terms are subject to underwriting, due diligence, and credit approval. Nothing on this page constitutes a commitment to lend. Loan terms may vary based on property, market, sponsorship, leverage, and execution requirements.

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