Speed is Important. Certainty is Everything.

top of page

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: $10,000,000.00 - $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)

​

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. ​

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.

bottom of page