Specialized RCFE Financing
Financing Built for RCFE Operators.
We specialize exclusively in loans for residential care facility owners — purchase, refinance, and bridge financing tailored to the unique demands of licensed care operations.
Loan Programs
Loan Programs Designed for RCFE Owners
Whether you're acquiring your first facility or refinancing an existing portfolio, we have a loan structure built for your situation.
Purchase Loans
Competitive financing to acquire licensed residential care facilities, with underwriting that accounts for operational income and licensing status.
- Non-SBA Loan Program For Acquistions
- Interest-only option
- No W2's or Tax Returns Required
Refinance
Lower your rate, pull equity, or restructure your debt — with lenders who understand RCFE cash flow and licensing requirements.
- Rate-And-Term And Cash-Out Options
- Refinance SBA High Interest Rate Adjustable Loans
- Streamlined documentation for licensed operators
Bridge Loans
Short-term capital for acquisitions, renovations, or license transitions — close fast while your long-term financing is arranged.
- 12–24 Month Terms
- Close In As Few As 10 Business Days
- Interest-only payment options
The Process
How the Loan Process Works
We've streamlined the path from inquiry to funding — with clear milestones and a dedicated specialist at every step.
Initial Consultation
Speak with a specialist who understands RCFE operations. We review your facility, licensing status, and financing goals to identify the right loan structure.
Pre-Approval
Submit your application and supporting documents. Our underwriters — experienced in RCFE financials — issue a pre-approval typically within 48 hours.
Underwriting & Appraisal
We order an RCFE-specific appraisal and complete underwriting. Our team knows how to read operational income, census data, and licensing history.
Closing & Funding
Once approved, we coordinate a smooth closing. Most loans fund within 30 days of application — bridge loans in as few as 10 business days.
Why RCFE Lending
Why RCFE Operators Choose Us
Most lenders treat care facilities like any other commercial property. We don't.
RCFE-Only Focus
We don't dabble in RCFE lending — it's all we do. Our underwriters have reviewed hundreds of facility financials, licensing documents, and operational structures. That depth of experience means faster approvals and fewer surprises at closing.
Underwriters Who Speak Your Language
RCFE income is complex — census fluctuations, Medi-Cal reimbursements, licensing transitions. Our team understands these nuances and knows how to present your file to maximize approval odds and loan terms.
Speed Without Compromise
Pre-approvals in 48 hours. Bridge loans funded in 10 business days. We move fast because we know the deal — not because we're cutting corners on due diligence.
Relationships, Not Transactions
Many of our clients return for their second, third, and fourth facilities. We build long-term lending relationships with operators who are growing their portfolios — and we structure financing to support that growth.
Client Stories
What RCFE Operators Say
Real results from operators who needed a lender that understands the RCFE business.
"We had been turned down by two banks before finding RCFE Lending. They understood our facility's financials immediately and closed our purchase loan in 24 days. No W2s, no runaround — just a team that knows this business."
Maria T.
RCFE Owner · San Bernardino County, CA
"I was in the middle of a DSS license transfer and needed bridge financing fast. RCFE Lending structured the deal in a way no conventional lender would even consider. They funded us in 12 business days."
James K.
RCFE Operator · Los Angeles County, CA
"The refinance process was seamless. They reviewed our operating statements — not our personal tax returns — and came back with a term sheet within 48 hours. I've referred three other operators to them already."
Linda R.
RCFE Owner & Operator · Orange County, CA
"As a first-time RCFE buyer, I had a lot of questions. The team walked me through every step and made sure I understood the process. The pre-approval came through in under 48 hours and we closed on time."
David N.
First-Time RCFE Buyer · Riverside County, CA
Ready to Discuss Your Financing?
Tell us about your facility and goals. A specialist will follow up within one business day.