AFC Gamma (NASDAQ:AFCG), Inc. is a specialty finance real estate investment trust (REIT) focused on providing capital solutions to the healthcare and life sciences sectors. The company originates, acquires and manages a portfolio of senior secured loans, mezzanine debt and mortgage-related assets secured by healthcare-related real estate and equipment. AFC Gamma’s lending activities are concentrated on ground leases and mortgage loans for medical office buildings, cancer treatment centers, ambulatory surgery centers and other specialized healthcare facilities.
Through its financing platform, AFC Gamma partners with healthcare providers, non-profit organizations and life sciences companies to support facility construction, expansions, refinancings and acquisitions. The company’s investment strategy emphasizes floating-rate debt instruments, which are structured to generate consistent income streams while preserving principal through overcollateralization and borrower equity. By focusing on essential healthcare infrastructure, AFC Gamma aims to align its portfolio with sectors exhibiting stable demand and long-term growth potential.
Since its inception in 2019 and subsequent internalization as a REIT, AFC Gamma has built a diversified loan portfolio across the United States. Headquartered in Irvine, California, the firm leverages a team of professionals with deep experience in healthcare finance, real estate lending and credit risk management. Its flexible balance sheet and capital markets access enable the company to pursue both originating new loan commitments and acquiring performing assets from third parties.
Under the leadership of co-founder and Chief Executive Officer Alfred Gargulak, AFC Gamma has grown its footprint by focusing on niche healthcare lending opportunities that can benefit from tailored financing structures. The company’s management team combines backgrounds in banking, private credit and structured finance, positioning AFC Gamma to respond to evolving market dynamics and borrower needs within the healthcare real estate sector.
