Healthcare BANKING

Healthcare Financing at Dime Commercial Bank

The Dime Difference

At Dime, we understand the unique complexities and growing demands placed on the nation’s senior care and behavioral health operators. Backed by a dedicated team of portfolio and relationship managers, we bring decades of specialized healthcare lending experience to every transaction. Whether you are purchasing a new property, refinancing an existing portfolio, or seeking working capital to navigate state reimbursement cycles, our team has the deep industry insight required to structure the right deal for your business.

The right people and access.

We firmly believe that the relationship comes first—the sponsor and the client always precede the asset. Operating on a national platform, we focus on markets with healthy budgets and supportive healthcare reimbursement environments. Our approach goes beyond the initial transaction; we seek to build full banking relationships.

The right process and technology.

By providing a comprehensive suite of commercial financing and treasury management products, we help operators stabilize their facilities on our balance sheet and successfully transition them to long-term, nonrecourse HUD financing.

Why Partner with Dime for Healthcare Lending?

  • Specialized Facility Focus: We have a proven track record of financing Skilled Nursing Facilities (SNFs), Assisted Living Facilities (ALFs), Behavioral Health Centers, Continuing Care Retirement Communities (CCRCs), and Memory Care Facilities.
  • Flexible Lending Parameters: We actively target deal sizes between $10MM and $30MM, while retaining the capability to handle larger transactions, including up to $50MM Warehouse Borrowing Base Lines of Credit.
  • Tailored Loan Structures: We offer competitive terms tailored to owner-operators, including 3-year term loans with up to 25-year amortization, pricing based on 30-day term SOFR, and strategic interest rate swaps at closing.
  • Working Capital Solutions: We provide standalone operating Lines of Credit (LOCs) supported by field exams to help you manage day-to-day liquidity and bridge reimbursement gaps.
  • Full-Suite Banking & Treasury: We support your entire enterprise with robust Treasury Management, operating deposit accounts, and private banking services designed specifically for large operators managing 7 to 10+ facilities.
Contact a Banker!