Adult Care Facility Loans in California

Banks don't understand this space.
They see a residential property with a commercial use and they freeze.
We see a cash-flowing business with real estate as collateral.
That's a completely different lens.

​

What is an Adult Care Facility Loan?

It's a private money loan secured by the real estate of a licensed adult care facility — including:

​

• Residential Care Facilities for the Elderly (RCFE)

• Board and Care Homes

• Assisted Living Facilities

• Adult Day Care Centers

• Memory Care Facilities

​

Whether you're buying, refinancing, or pulling cash out — we can structure a loan around the property and the business.

​

When do you need this type of loan?

• Purchasing a licensed facility before a conventional loan is ready

• Refinancing out of a hard money loan

• Accessing equity to expand or upgrade the facility

• Bridge financing while you complete your licensing

• Buying the real estate separately from the business

​

Why banks say no:

Banks struggle with adult care facilities for several reasons:

​

• Mixed residential/commercial use confuses their underwriting

• Licensing requirements add complexity

• They want stabilized occupancy before lending

• They don't move fast enough for time-sensitive acquisitions

​

We don't have those problems.

We lend on the property value and the deal — not the bureaucracy.

​

What we look at:

• Property address and value

• Current licensing status

• Your exit strategy

• Timeline

​

No tax returns required for most programs.
No income verification.
Asset-based lending — the property is the collateral.

​

Loan terms:

• Short-term bridge loans — 12 months with extension options

• Fast closings — 7 to 10 business days

• 1st and 2nd trust deed positions available

​

​

Ready to talk about your facility?

📞 Call or text: (949) 874-1973
📧 loans@southcountycapital.com
🌐 www.southcountycapital.com

California DRE License #01884316

​