About us
Lenders Who Understand the RCFE Business
We built RCFE Lending because residential care facility owners deserve a financing partner who speaks their language — not a generic commercial lender.
Our Credentials
$750M+
In RCFE loans funded
500+
RCFE operators served
18+
Years in senior care finance
48 hrs
Average pre-approval time
Our Mission
RCFE operators provide essential care to California's most vulnerable seniors. Yet when it comes to financing, they're routinely underserved — forced to work with lenders who don't understand census-based income, Medi-Cal reimbursements, or the RCFE business. We exist to change that. Our mission is to make institutional-quality financing accessible to every qualified RCFE operator, from a single six-bed home to a multi-facility portfolio.
Why We Built This
RCFE Lending was founded by a team with deep roots in both commercial real estate finance and the senior care industry. After watching RCFE operators struggle to find lenders who understood their business — and seeing deals fall apart because underwriters couldn't read an operating statement from a licensed care facility — we decided to build the solution ourselves.
We've spent years developing underwriting frameworks specifically for residential care facilities: how to evaluate census trends, how to account for Medi-Cal reimbursement variability, how to underwrite through a license transfer, and how to structure loans that work with the cash flow realities of running a RCFE.
Today, RCFE Lending serves operators across California — from first-time buyers acquiring their initial facility to experienced operators expanding multi-facility portfolios.
What Sets Us Apart
RCFE-Specific Underwriting
We evaluate your facility the way it should be evaluated — based on operational income, census history, and licensing status. Not generic commercial real estate metrics.
Fast Pre-Approvals
Pre-approval letters issued within 48 hours. When you find the right facility, you need to move. We're built to keep pace with competitive acquisition timelines.
No W2s or Tax Returns Required
We underwrite based on facility performance, not personal income documentation. RCFE operators often show complex tax situations — we look past that to what matters.
Relationship-Based Lending
We work with operators across their entire portfolio lifecycle — from first acquisition to refinance to expansion. We're a long-term partner, not a one-time transaction.
How We Work
Transparency
No surprises. We tell you exactly what we need, what the terms are, and what to expect at every stage of the process.
Speed
RCFE acquisitions move fast. We're structured to issue pre-approvals in 48 hours and close loans in 21–30 days.
Expertise
Every file is reviewed by someone who understands the RCFE business. You'll never have to explain what a census report is.
Work With a Lender Who Gets It
Tell us about your facility and financing goals. A specialist will follow up within one business day.