Senior Housing · First lien · In most US states
Senior housing hard money & bridge loans.
Independent living, assisted living, memory care and 55+ active adult communities. Licensing and the operator's record are part of diligence. The loan amount follows as-is value, not NOI or a projection.
Yes. Stokley Capital makes first-position, business-purpose senior housing hard money and bridge loans in most US states, typically $500,000 to $5 million, with larger loans up to $10 to $15 million considered case by case and no loans under $500,000. Every request is reviewed and decided directly by the principals.
Stokley Capital Intelligence · Updated September 2026
Senior Housing Market 2026: Occupancy & Supply
A structured view of the developments shaping senior housing, and the situations those developments may create for owners, lenders and investors.
Underwriting
Sized to as-is value.
Loans are sized to as-is real estate value, in first position, as bridge and hard money. Net operating income and projections do not set the loan amount.
- 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 Capital is also a real estate investment firm. We acquire, own and operate real estate across the United States. Submit it for acquisition.
Hard money lending guidelines
Asset-based financing. We focus on the property's value and the owner's equity, not a credit score. Low credit does not rule out a request. Every deal is subject to underwriting.
- Term
- 6 to 12 months
- Payments
- Interest only
- Loan-to-value
- Up to 70%
- Lien position
- First position only
Third-party closing costs are separate.
Every term sheet is different. Every deal goes through underwriting and has specific terms. These are guidelines, not a commitment to lend.
Request loan terms
Senior housing loan request.
Questions
Senior housing loans, answered.
- Do you provide senior housing hard money loans in most US states?
- Yes. Stokley Capital provides first-position, business-purpose senior housing loans in most US states, subject to state requirements.
- What size senior housing loans do you make?
- Typical loan size: $500,000 to $5 million. Larger loans up to $10 to $15 million are considered case by case. No loans under $500,000.
- 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. Published lending guidelines are for general guidance only. Every deal goes through underwriting and has specific terms.
Next step
Have a senior housing loan request?
Send the property, amount and deadline. A principal will respond directly.