WorkflowHealthcare Finance

Senior Living Loans

Senior Living & Facility Loans

Every facility loan read through census, payer mix and CMS survey results in one cited view.

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WorkflowDocuments in; a checked, signed result out.
6specialist agents
5kinds of input
Soonfilm in production
The problem

Why it matters

Facility credit turns on occupancy, Medicaid mix and survey results spread across census reports, cost reports and CMS Care Compare.

What it does

How the solution handles it

Agents read census and operating statements, trend occupancy and payer mix, pull CMS star ratings and inspection findings, compare the facility to its local market, and write a cited credit summary with coverage and covenant tests. An underwriter approves.

How it works

How a facility file moves

Six specialist agents read census and statements, analyse payer mix, check CMS ratings and surveys, and compare the market; an underwriter approves.

What comes in
Facility file in5 kinds of record · census, rent roll, T-12, CMS, cost report
Agents at work
Census readeroccupancy by month
Statement spreaderT-12 and budget
Then
Payer mix analystprivate · Medicaid
Quality and survey checkerCMS stars · findings
Then
Market comparerlocal occupancy
Then
Summary writercited summary
A person decides
Underwriterapproves the facility view
What comes out
Credit summary
Coverage test
Survey risks
In and out

What it reads, and what it hands back.

What goes in

  • Monthly census and occupancy
  • Resident rent roll and payer mix
  • Operating statements (T-12)
  • CMS Care Compare ratings and inspections
  • Medicare cost reports

What comes out

  • Facility credit summary, every number cited
  • Occupancy and payer-mix trend
  • Survey and star-rating risk notes
  • DSCR and covenant test

Who uses it

UUnderwriterHRHealthcare REIT lenderCOCredit officerPMPortfolio manager
What it changes

The difference, in numbers.

Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.

target
1hr
per facility, from reports to a cited credit summary
By hand1–2 days
With agents≈ 1 hr
typical
90.4%
US senior housing occupancy, Q3 2026: the benchmark for each facility
NIC MAP, 31 primary markets
estimated
3×
the facilities each analyst can review per quarter
TodayWith agents

Source: NIC MAP, Q3 2026 senior housing occupancy (31 primary markets) · CMS Care Compare · “Typical” = published figure · “Target” = design goal, measured in the live solution

Built on the engine

6 specialist agents. One person decides.

Census readeroccupancy and move-ins, by month
Statement spreaderrevenue and costs, by line
Payer mix analystprivate pay, Medicare, Medicaid
Quality and survey checkerstar ratings, inspection findings
Market comparerthe facility against its market
Summary writercredit summary, every number cited
Underwriterapproves the facility view

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