Senior Housing · First lien · Nationwide
Senior housing hard money & bridge loans.
Independent living, assisted living, memory care and 55+ active adult communities. We underwrite the real estate and the operator together; on care-licensed properties, the operator's record and licensing carry as much weight as the building.
Stokley Intelligence · Updated September 2026
Senior housing entered the second half of 2026 with occupancy at a multi-cycle high and construction at its lowest level since 2012.
Underwriting
What we look at first.
- Occupancy trend, move-ins versus move-outs, and the inquiry pipeline
- Care mix and rate structure by unit type
- Operator track record, licensing status and the management agreement
- Staffing, food service, insurance and other operating costs
- Building condition, life-safety systems and the capex needed to compete
Situations
Where we're most useful.
- Bridge loans maturing before occupancy supports agency or HUD debt
- Operator transitions that make a bank pause
- Acquisitions from owners or operators leaving the business
- Lease-up after a renovation, conversion or new delivery
Selling a senior housing property? Stokley also buys real estate as a principal. Submit it for acquisition.
Request loan terms
Senior housing loan request.
Questions
Senior housing loans, answered.
- Do you provide senior housing hard money loans nationwide?
- Yes. Stokley Capital provides first-position, business-purpose senior housing loans nationwide, subject to state requirements.
- What size senior housing loans do you make?
- Typically $1M–$5M. Larger loans are considered.
- What do you look at first on a senior housing loan?
- Occupancy trend, move-ins versus move-outs, and the inquiry pipeline; Care mix and rate structure by unit type; Operator track record, licensing status and the management agreement.
- Do you take second position?
- No. Every loan is a first lien on the property.
Nothing on this website is an offer to lend or a commitment of capital. All loans are subject to underwriting, due diligence, documentation and approval. Stokley Capital does not publish rates or leverage; every loan is priced against the specific property and situation.
Next step
Have a senior housing loan request?
Send the property, amount and deadline. A principal will respond directly.