Residential Assisted Living (RAL) Loans
Financing for boutique residential assisted living businesses and adult family homes.
Request a QuoteA care home is a business, not a house
A residential assisted living home looks like a house from the street, but lenders that treat it like a house miss what matters: the residents, the license and the income the business produces. We provide specialized commercial mortgage solutions for boutique RAL businesses and adult family homes, and we treat them as income-producing commercial assets, not residential property.
What RAL operators finance with us
Acquire a care home
Buy an operating residential assisted living business.
Refinance
Replace existing debt on your care home — see <a href="/assisted-living-refinance">assisted living refinancing</a>.
Working capital
SBA 7(a) working capital for operations and growth — see <a href="/sba-loans-assisted-living">SBA loans for assisted living</a>.
Grow
Add homes or move up to a larger facility — see <a href="/assisted-living-facility-loans">assisted living facility loans</a>.
How RAL financing is evaluated
Commercial healthcare loans evaluate business cash flow and operational performance, which allows repayment terms suited to professional operators — not only the borrower’s personal income.
Getting started
Frequently Asked Questions
Do you finance residential assisted living homes?
Yes. We provide commercial mortgage solutions for boutique RAL businesses and adult family homes.
Is a RAL loan a residential mortgage?
No. We treat RAL businesses as income-producing commercial assets, so the loan looks at the business’s cash flow and performance.
Can I refinance my care home?
Yes. We help operators acquire or refinance their care home businesses.
Can I get working capital for my care home?
SBA 7(a) loans provide working capital for operations and facility expansion.
How do I start?
Call (727) 642-1166 or <a href="/contact">contact us</a> with the details of your home.
Own or want to buy a residential assisted living home? Let’s talk.
Request a QuoteCommercial Loans Florida, Inc. · 1155 South Pasadena S, Suite H, South Pasadena, FL 33707 · Call (727) 642-1166 · Monday–Friday, 9:00 AM–5:00 PM EST · NMLS 1283562. All loans are subject to underwriting and approval.