Senior Living Finance Is Different. Most Accountants Don’t Know That.
Your revenue is tied to census and payor mix, not invoices. Your labor runs at 50–68% of revenue. Your debt covenants are under lender scrutiny. Generic accounting can’t handle that complexity. We built our practice around it.
A 3% census drop at a 60-unit AL at $5,500/month is $9,900/month in lost revenue. Without real-time financial modeling, you find out at month-end, after decisions have already been made.
At 61% average industry turnover, each CNA replacement costs ~$4,800 before overtime. Facilities running above their labor benchmark by 6% are burning $180K+ annually, often without a single line item to show for it.
With ~$10B in senior living debt maturing in 2025, refinancing conditions are stricter. Lenders scrutinize occupancy trends, payor mix, labor ratios, and EBITDA coverage. Your books need to tell a clean, defensible story.
Care level billing delays, unchallenged payor underpayments, 60-day AR on private pay, denial writeoffs, operators in this category lose 4–8% of potential annual revenue without a CFO-level lens on the numbers.
Everything a Senior Living Operator Needs, In One Financial Team
We handle CFO strategy, accounting, and tax planning as one coordinated function, built around the way senior living businesses actually work.
Fractional CFO Services
- Census-to-revenue financial modeling
- Payor mix optimization strategy
- Labor cost ratio benchmarking & control
- Lender/refinancing readiness packages
- Monthly board-ready P&L by department
- KPI dashboards: occupancy, labor %, AR aging
- Cash flow forecasting (rolling 13-week)
Accounting Services
- Monthly close within 15 days of month-end
- Multi-payor revenue reconciliation (Medicaid, Medicare, private pay, LTC insurance)
- PointClickCare & MatrixCare integration
- AR aging & collections tracking
- Department-level P&L reporting
- Audit-ready, lender-grade books
Strategic Tax Planning
- Year-round tax planning for facility owners
- Real estate entity structure optimization
- Depreciation & cost segregation strategy
- Management company structure review
- Business & personal returns coordinated
- IRS compliance & representation
Do You Know Where You Stand?
These are the numbers that separate operators who grow from operators who stagnate. Most don’t track all of them monthly.
Built for Operators at Every Stage
Owner-operators running 20–100 unit AL or memory care communities who need CFO-level oversight without a full-time hire.
Regional operators managing 2–10 facilities who need consolidated reporting, entity-level visibility, and coordinated tax strategy.
Facilities preparing for acquisition, refinancing, or new development who need lender-ready financials and a CFO in their corner.
New owners doing financial due diligence, or existing owners preparing for a clean sale with defensible, audit-ready books.
Start With a Free Diagnostic
Two tools designed specifically for senior living operators. No sales call required to access either.
2025 Senior Living Labor Cost Benchmark Report
Healthy, watch, and critical thresholds for labor cost %, overtime, agency dependency, and labor cost per occupied unit, by facility type. Includes a 6-step action plan.
Download Free Report →Senior Living Revenue Leakage Audit
10 questions about your billing process, AR, payor mix, and financial oversight. Get a scored breakdown of exactly where your facility is losing revenue, and how much it’s likely costing annually.
Take the 2-Min Audit →Ready to Get CFO-Level Clarity on Your Facility’s Finances?
Schedule a free 30-minute strategy call. We’ll review your current financial setup, benchmark your key ratios, and show you exactly where we’d focus first, no obligation.
Schedule Your Free Strategy Call →