As the population ages and demand for senior care increases, assisted living facilities have emerged as one of the most resilient and growing sectors in real estate. For developers, healthcare operators, and investors in Phoenix, AZ, there’s a significant opportunity to meet this demand—but it all starts with the right financing.
At A Mortgage Central LLC, we specialize in arranging assisted living facility loans that are tailored to the complexities of the senior housing market. Whether you’re acquiring, constructing, expanding, or refinancing, we help you secure funding that fits your business model and long-term goals.
Phoenix ranks among the top cities in the U.S. for retirees. According to U.S. Census data, the 65+ age group in Maricopa County continues to expand, fueling a sustained demand for senior living communities, including memory care, skilled nursing, and independent living hybrid models.
Key market trends:
Population growth among seniors (projected to double by 2030)
Shortage of modern, well-equipped facilities
High occupancy rates across the Valley
Strong interest from private equity and healthcare REITs
This makes Phoenix, AZ an ideal location for both new developments and acquisition of existing assisted living facilities.
At A Mortgage Central LLC, we provide access to commercial loan options that are custom-designed for senior housing and healthcare operations. These include:
🏢 Conventional Commercial Loans
Ideal for borrowers with strong credit and experience in healthcare operations. Flexible terms and competitive interest rates.
🏛️ SBA 7(a) and SBA 504 Loans
Government-backed loan programs perfect for small to mid-sized facility operators. SBA loans often come with lower down payments and longer repayment terms.
💸 Bridge Loans & Interim Financing
Short-term financing for acquisitions, renovations, or lease-ups. Great for quickly securing property while long-term financing is arranged.
🏗️ Construction Loans
For ground-up development or major expansions. Includes funding for site acquisition, construction, and soft costs.
🔄 Refinance Loans
Refinance existing debt for better terms, lower interest rates, or cash-out refinancing to invest back into your business.
Lenders consider several key factors when reviewing a loan application for an assisted living facility in Phoenix, AZ. Here's what they typically evaluate:
✅ Experience in Healthcare or Facility Management
Operators with a background in senior care or property management are seen as lower risk. If you’re new to the field, a qualified management partner helps strengthen your application.
✅ Business Plan & Cash Flow Projections
A clear business plan with realistic revenue and expense forecasts shows lenders how the facility will generate income and remain sustainable over time.
✅ Occupancy History (for Existing Facilities)
Facilities with strong historical occupancy and consistent income are more likely to get approved and qualify for better terms.
✅ Licensing & Regulatory Compliance
Lenders want assurance that your facility meets all Arizona licensing standards and complies with ADHS regulations.
✅ Property Condition & Location
The building’s condition and its proximity to hospitals, clinics, and residential communities impact both risk and long-term value.
✅ Loan-to-Value Ratio & Collateral
Most lenders finance up to 75–80% of the property value. Strong collateral and lower LTV can help you secure better rates.
For New Projects
If you’re building a facility from the ground up, you’ll need a detailed business plan, site plans, cost breakdown, and feasibility study. We help guide you through every step of preparing for construction loans and phased funding.
For Existing Facilities
Whether you’re buying an underperforming facility or acquiring a stabilized asset, we’ll match you with lenders that understand senior housing cash flow models, census reporting, and state licensing requirements.
Phoenix continues to attract retirees from across the U.S., especially from colder northern states. The combination of affordable land, modern infrastructure, and warm climate makes it one of the most attractive regions for senior living development.
Here’s how we guide our clients through the assisted living loan process:
We’re more than a mortgage company—we’re your strategic financing partner.
✅ Deep Industry Knowledge
We understand the nuances of the assisted living and healthcare real estate industry, from operations to compliance and profitability.
✅ Local Market Expertise
As a Phoenix-based commercial lending expert, we bring insight into local zoning, healthcare regulations, and demographic trends.
✅ Lender Network & Negotiating Power
We work with a wide network of national and regional lenders, private lenders, and SBA partners—giving you options that suit your timeline, property type, and long-term goals.
✅ Hands-On, End-to-End Support
From loan structuring and underwriting to closing and compliance, we’re with you every step of the way. We simplify complex lending so you can focus on what you do best—caring for your residents and growing your business.
Get Started on Your Assisted Living Facility Loan Today
Ready to finance your assisted living project in Phoenix, AZ? Whether you're a first-time investor or an experienced operator, A Mortgage Central LLC is here to help you access capital with confidence.
👉 Schedule your free consultation today
📞 Call us at 602-445-9918
🌐 Visit lenderinaz.com to apply or learn more