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Specialized Commercial Financing

Construction & refinancing for hospitality and retirement projects.

Hotels, resorts, retirement residences and senior-living developments are cash-flow businesses as much as real estate. Financing them takes lenders who understand operations, ADR and occupancy, care models and licensing. We specialize in structuring construction financing and refinancing for these complex assets.

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Financing for operating real estate that runs as a business

Hospitality and retirement assets sit at the intersection of real estate and operations. A hotel's value rests on occupancy and average daily rate; a retirement residence's on care levels, licensing and absorption. Lenders who finance these assets underwrite the business, not just the building — and Bridge Lending Solutions speaks that language fluently.

We arrange construction financing for new hospitality and seniors-housing developments, and refinancing for existing, stabilized or repositioning assets — connecting you with banks, specialty lenders and CMHC programs that understand this space.

Hospitality financing

  • New hotel & resort construction — staged construction financing aligned to your development budget and brand standards.
  • Acquisition & refinancing — financing the purchase or recapitalization of existing hotels and resorts.
  • Repositioning & renovation (PIP) — capital for brand-mandated improvement plans and conversions.
  • Flagged & independent properties — structures suited to both franchised and independent operators.

Retirement & senior-living financing

  • Retirement residence construction — financing new independent-living, assisted-living and memory-care developments.
  • Refinancing & take-out — transitioning completed projects to long-term financing once stabilized.
  • CMHC programs — leveraging CMHC insurance, including MLI Select where the project qualifies, for superior leverage and terms.
  • Expansion & repositioning — capital for adding units, upgrading care capacity or renovating existing residences.
Operations drive the deal. For these assets, lenders scrutinize management, projections and the operating model as closely as the bricks and mortar. We help you present a credible, lender-ready business case — and find the lender whose appetite matches your project.

Why developers and operators work with us

  • Sector expertise — we understand the metrics, licensing and operating realities lenders care about.
  • The right lenders — access to banks and specialty lenders genuinely active in hospitality and seniors housing.
  • Construction-to-permanent structuring — bridging the build phase to stabilized, long-term financing.
  • CMHC integration — layering insured programs into seniors-housing rental where they apply.
  • End-to-end management — from feasibility and application through funding, draws and take-out.

What lenders need to see

A development or operating budget, market and feasibility study, operating projections (occupancy, ADR or absorption and care revenue), management or operator credentials, licensing status for seniors housing, and your equity contribution. We help you package all of it persuasively.

How It Works

Your path from inquiry to funding

1

Feasibility review

We assess your project, operating model and projections to define the financing requirement.

2

Structure the deal

We design construction or refinancing facilities and match them to active sector lenders and CMHC options.

3

Secure approval

We manage the application, due diligence and underwriting through to a committed facility.

4

Fund & transition

Construction draws flow against progress; we transition you to stabilized long-term financing.

Questions

Frequently asked questions

Yes. We arrange construction financing for new hospitality and retirement developments, and acquisition or refinancing for existing, stabilized or repositioning assets.

Often, yes — seniors housing with a rental component can qualify for CMHC insurance, and in many cases MLI Select, delivering higher leverage and better rates. We'll assess your project's eligibility.

They underwrite the operating business alongside the real estate — occupancy and ADR for hotels; absorption, care levels and licensing for seniors housing — plus your management team and projections. We help you present all of this credibly.

Specialized commercial assets are equity-intensive, and requirements vary by asset type, lender and whether CMHC is involved. We'll model the specific requirement for your project and seek structures that optimize your equity.

Ready to move forward?

Let's structure the right solution for your situation and get it approved on the best possible terms.

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