VIUM Capital
VIUM Capital is a privately held specialty finance firm founded in 2020 that provides bridge loans and HUD 232/232 LEAN permanent financing exclusively to seniors housing and healthcare operators across 30+ U.S. states.
- Company typePrivate
- Founded2020
- HeadquartersColumbus, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What VIUM Capital does
VIUM Capital, founded in April 2020, is a privately held, partner-owned specialty finance company headquartered in Grandview Heights, Ohio (Columbus metro) with regional offices in Austin, Texas and Boca Raton, Florida. The firm is exclusively focused on commercial real estate financing for the seniors housing and healthcare sectors, serving skilled nursing facility (SNF), assisted living facility (ALF), independent living, and memory care owners and operators across more than 30 U.S. states, with opportunistic hospital financing.
The company's core platform is a proprietary bridge-to-HUD financing structure: VIUM originates short-term, variable-rate (SOFR-based) bridge loans funded through a direct bank joint-venture partnership, with the intended permanent takeout being a HUD 232/232 LEAN mortgage that VIUM itself originates. Capabilities complementing this platform include direct lending, Freddie Mac agency execution (via partnership with Bellwether Enterprise), C-PACE financing, and tax-exempt bond solutions delivered through the wholly owned municipal advisory subsidiary VIUM Capital MA, LLC. The firm maintains regulatory expertise in HUD 232 program eligibility requirements and develops creative deal structures such as A/B notes, rate buydowns, and rate caps to manage interest-rate risk on behalf of clients.
VIUM generates revenue primarily through loan origination and structuring fees on both bridge loans and HUD 232/232 LEAN permanent loans, plus interest income on outstanding bridge loan balances funded via its direct bank JV. Distribution is relationship-driven: regional senior managing directors (e.g., Scott Blount covering South Central/Southeast) cover defined territories, supported by partnerships with sector associations (AHCA/NCAL, ASHA, NIC, Argentum) and thought-leadership content including the VERSED podcast. In fiscal 2025 VIUM closed 96 financings totaling over $2 billion across HUD LEAN and bridge loans, with cumulative originations exceeding $5 billion since inception.
VIUM Capital firmographics
Firmographics- Name
- VIUM Capital
- Legal name
- VIUM Capital, LLC
- Website
- https://viumcapital.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- VIUM Capital is a privately held specialty finance firm founded in 2020 that provides bridge loans and HUD 232/232 LEAN permanent financing exclusively to seniors housing and healthcare operators across 30+ U.S. states.
- Ownership category
- akta.pro rank
VIUM Capital industry classification
Industry- Product category
- Healthcare Commercial Real Estate Lending
- NAICS
- Credit Intermediation and Related Activities (522)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- SME Commercial Real Estate (CRE) Lending (FSABABAG)
- akta.pro secondary industries
- Balance-Sheet / Portfolio CRE Lending (FSALADAG), Real Estate Private Credit (CRE Debt) (FSANADAG)
Keywords
Where VIUM Capital is headquartered
LocationHeadquarters
- HQ city
- Columbus
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
VIUM Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Loan Origination and Structuring Fees: VIUM Capital generates revenue through loan origination fees and structuring fees associated with bridge loans and HUD 232/232 LEAN permanent financing for seniors housing and healthcare facilities. They serve as a HUD-approved lender providing mortgage insurance-backed permanent financing.
- Interest Income from Bridge Lending: VIUM provides direct bank bridge financing through its joint-venture partnership, generating interest income on short-term variable rate (SOFR-based) bridge loans that are typically priced off short-term variable rates.
- HUD LEAN Loan Origination: As a top HUD LEAN lender, VIUM earns fees on HUD-insured loans which provide superior pricing and terms including long maturities, lower fixed rates, and non-recourse financing for senior living providers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Bridge Loans - Variable rate short-term financing |
| Other | Monthly | HUD 232/232 LEAN Permanent Financing |
| Other | Multi-year contract | Direct Lending Solutions |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels11 records
VIUM Capital product offering
Product offeringCore offering
VIUM Capital is a specialty finance company that provides bridge loans and HUD 232/232 LEAN permanent financing exclusively for seniors housing and healthcare operators. The firm serves as a one-stop shop from acquisition financing through HUD permanent takeout, also offering direct lending, Freddie Mac, C-PACE, and tax-exempt bond solutions through its licensed municipal advisory subsidiary.
Product overview
VIUM Capital is a specialty finance company offering a comprehensive suite of financing solutions exclusively for seniors housing and healthcare sectors. The core offering consists of bridge loans and HUD 232/LEAN permanent financing, complemented by direct lending, Freddie Mac agency financing, and C-PACE solutions. VIUM operates as a one-stop shop providing acquisition financing, refinancing, and recapitalization services with bridge-to-HUD execution capabilities. The company serves independent living, assisted living, memory care, and skilled nursing facilities (SNFs) across the United States, and also provides hospital financing solutions on an opportunistic basis.
Differentiator
Problem solved
Functional benefit
Products and services
- Bridge Loans
- HUD 232/LEAN Loans
- Acquisition Financing
- Refinance & Recapitalization
- Direct Lending
- Freddie Mac Financing
- C-PACE Financing
- Tax-Exempt Bond Solutions
- VERSED Podcast
Quantifiable outcome
- 96 seniors housing and healthcare financings totaling over $2 billion across HUD LEAN and bridge loans in fiscal 2025
- +3 more outcomes
Companies that use VIUM Capital
Customer profileNamed customers92 records
Segments5 records
Ideal customer profiles3 records
VIUM Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
VIUM Capital partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- Bellwether EnterprisecoreVIUM Capital partnered with Bellwether Enterprise on a North Carolina operator buyout transaction. The partnership combined VIUM's bridge loan capabilities with Bellwether's Freddie Mac execution to complete a $30 million loan for a Class A independent living community acquisition. This demonstrates VIUM's ability to collaborate with GSE correspondents for complete capital solutions.
- American Senior Housing Association (ASHA)coreVIUM Capital maintains a close partnership with ASHA through participation in industry events, podcast collaborations (with President & CEO David Schless appearing on VERSED), and collaborative advocacy on federal policy issues affecting seniors housing. VIUM staff participate in ASHA meetings and the industry collaborates on workforce, regulatory, and policy matters.
- AHCA/NCALcoreVIUM Capital has a strong relationship with the American Health Care Association and National Center for Assisted Living. Scott Tittle, VIUM's Managing Director, previously served as Executive Director for NCAL. AHCA/NCAL President & CEO Mark Parkinson appeared on VERSED podcast discussing industry challenges and regulatory agenda. VIUM supports AHCA/NCAL events and advocacy efforts.
- Omega Healthcare InvestorscoreVIUM Capital maintains a relationship with Omega Healthcare Investors ($13B healthcare REIT). CIO Vikas Gupta appeared on VERSED podcast discussing investment philosophy, UK market expansion, and government reimbursement models. While not direct capital partners, both serve the seniors housing and healthcare sector with complementary products (VIUM on debt, Omega on equity/REIT).
- Healthcare Mortgagee Advisory Council (HMAC)coreVIUM's Managing Director and Chief Underwriter Alison Lemle serves as President of HMAC, the healthcare lender industry advocacy group for HUD financing. This leadership position demonstrates VIUM's deep engagement with the HUD lending community and industry advocacy.
- VIUM Capital MA, LLC (Municipal Advisory Subsidiary)minorVIUM Capital operates a licensed municipal advisory subsidiary that provides structuring of tax-exempt bond solutions for clients. This wholly owned subsidiary expands VIUM's capabilities to include C-PACE and other tax-exempt financing options.
Scale indicators11 records
Recent moves10 records
Expansion highlights6 records
VIUM Capital competitors and assessment
Company assessmentDirect peers
- Lancaster Pollard (OREC Investment Management): Closest historical peer to VIUM — both originated bridge and HUD 232/LEAN financing for seniors housing and skilled nursing operators before Lancaster Pollard's mortgage banking business was divested to OREC. Scott Blount of VIUM previously spent 10+ years at Lancaster Pollard, directly evidencing the comparable customer base, product set (bridge + HUD), and target geography (Texas, Louisiana, Mississippi).
- Walker & Dunlop: Large-scale CRE lender with a dedicated healthcare/seniors housing team providing Fannie Mae, Freddie Mac, HUD, and bridge financing to multifamily and senior care owners. Comparable in customer type (senior housing operators, REITs, sponsors) and product set (agency + bridge + HUD) but broader portfolio across multifamily and capital markets.
- Capital Funding Group (CFG): Specialty HUD healthcare and multifamily lender that originates bridge and HUD-insured loans for senior care, skilled nursing, and hospital operators. Closely comparable in product mix (bridge + HUD 232/LEAN), vertical focus, and mid-market operator customer profile.
- Dougherty Mortgage LLC: HUD/FHA and agency multifamily and healthcare lender originating bridge, construction, and permanent financing for senior housing and skilled nursing operators. Direct overlap with VIUM on HUD 232 LEAN and bridge financing products.
- Grandbridge Real Estate Capital: National CRE lender (a subsidiary of Truist) offering FHA/HUD, Fannie Mae, Freddie Mac, and bridge financing across multifamily and seniors housing/healthcare. Comparable in product breadth and customer segment; larger balance sheet and regional bank parent differentiate.
- Bellwether Enterprise Real Estate Capital: GSE correspondent and CRE lender (now part of Enterprise Community Partners) that VIUM has partnered with on transactions including a $30M Freddie Mac loan for an NC operator buyout. Overlapping product offering (Freddie Mac, bridge, agency) and shared customer relationships in seniors housing.
- Greystone & Co. National CRE finance company with deep FHA/HUD, Fannie Mae, and Freddie Mac lending capabilities across multifamily, healthcare, and senior housing. Competes directly with VIUM on HUD 232 healthcare originations and bridges for seniors housing operators, with overlapping customer base in skilled nursing and assisted living.
- Cambridge Realty Capital Companies: Specialty senior housing and healthcare lender providing FHA/HUD, bridge, and conventional financing for SNFs, assisted living, and memory care facilities. Directly competes with VIUM for HUD 232 originations and serves the same operator customer base nationwide.
Broad incumbents
- Berkadia Commercial Mortgage: Top-3 U.S. CRE lender (joint venture between Berkshire Hathaway and Jefferies) with sizable seniors housing/healthcare and HUD financing practice. Competes with VIUM on agency and HUD originations but offers a much broader product portfolio across all CRE asset classes.
- JLL Capital Markets (Healthcare): Global CRE services firm with a dedicated healthcare and seniors housing debt placement team that arranges senior loans, bridge financing, and permanent capital for operators and investors. Comparable customer base but materially broader scale and service offering than VIUM.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks4 records
Key highlights7 records
Customer concentration
VIUM Capital social profiles
Digital presenceVIUM Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
VIUM Capital leadership team
Management profileNumber of profiles
Profiles7 records
VIUM Capital subsidiaries and ownership
Company hierarchySubsidiaries1 record
VIUM Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
VIUM Capital M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about VIUM Capital
What does VIUM Capital do?
VIUM Capital is a specialty finance company that provides bridge loans and HUD 232/232 LEAN permanent financing exclusively for seniors housing and healthcare operators. The firm serves as a one-stop shop from acquisition financing through HUD permanent takeout, also offering direct lending, Freddie Mac, C-PACE, and tax-exempt bond solutions through its licensed municipal advisory subsidiary.
Is VIUM Capital a public or private company?
VIUM Capital is a private company. It is classified as management employee owned and is currently operating.
When was VIUM Capital founded?
VIUM Capital was founded in 2020. It employs 11 to 50 people.
Where is VIUM Capital based?
VIUM Capital is headquartered in Columbus, United States, in the North America region.
How does VIUM Capital make money?
Three revenue lines are on record. Loan Origination and Structuring Fees are the primary driver. The others are interest Income from Bridge Lending and HUD LEAN Loan Origination.
Who are VIUM Capital's main competitors?
Direct peers on record are Lancaster Pollard (OREC Investment Management), Walker & Dunlop, Capital Funding Group (CFG), Dougherty Mortgage LLC, Grandbridge Real Estate Capital, Bellwether Enterprise Real Estate Capital, Greystone & Co. and Cambridge Realty Capital Companies. Broad incumbents are Berkadia Commercial Mortgage and JLL Capital Markets (Healthcare).
Does VIUM Capital have an API?
No public API is recorded for VIUM Capital.
What industry is VIUM Capital in?
VIUM Capital's product category is Healthcare Commercial Real Estate Lending. Its primary akta.pro industry code is FSABABAG, SME Commercial Real Estate (CRE) Lending, with a secondary code of FSALADAG, Balance-Sheet / Portfolio CRE Lending. Its NAICS code is 522 and its SIC code is 6153.