Industrial Property Financing
Drive growth and efficiency in your industrial property investments with financing solutions tailored to meet the unique demands of this sector. Whether you’re acquiring, refinancing, or developing industrial properties, we offer a range of loan programs designed to support your goals.
Why Choose Us?
With extensive experience in industrial property financing, we provide customized lending solutions to meet the needs of property owners and investors in the warehousing, manufacturing, and logistics sectors. Our expertise ensures a streamlined process, competitive rates, and flexible terms to help you achieve success.
Key Features of Our Office Property Financing
- Loan Amounts: $500,000 to $100 million+
- Loan Types: Acquisition, Refinancing, Construction, Value-Add Renovations, and Repositioning
- Max Loan-to-Value (LTV): Up to 75%
- Amortization Terms: 20–30 years
- Interest Rates: Competitive rates available upon request
- Time to Close: Underwriting timelines range from 15 to 90 days – transaction specific
Borrower Requirements
- Minimum FICO: Underwriting Specific – see below
- Recourse and Non-Recourse options available
- Strong property financials and stable tenant mix preferred
- Occupancy Types: Investor-owned or owner-occupied properties
Lending Programs We Offer
We provide a wide range of lending solutions to meet the unique needs of office property investors:
- Lending (Non-SBA): Ideal for stabilized office properties with strong financial performance. Offers competitive rates, long-term amortization, and flexible terms.
- SBA 504/7a Loans: Perfect for owner-occupied office properties. Provides low down payments, long-term fixed rates, and government-backed security.
- CMBS / Life Co. Lending: Suitable for institutional-grade office properties. Offers low fixed rates, longer terms, and non-recourse options.
- Bridge Lending: Designed for transitional office properties or those undergoing repositioning. Provides short-term funding to stabilize or improve the property.
- Hard Money Lending: Ideal for time-sensitive or high-risk transactions. Offers quick closings and flexible terms for properties with unique circumstances.
Specialized Industrial Financing Considerations
Our industrial property financing solutions are tailored to address the following factors:
Specialized Industrial Financing Considerations
We understand the complexities of financing industrial properties and tailor our solutions to address the following factors:
- Property Use: Finance a variety of industrial property types, including warehouses, distribution centers, and manufacturing facilities.
- Tenant Mix: Evaluate the stability and diversity of tenants, including long-term leases and creditworthy tenants.
- Market Trends: Assess the property’s location, proximity to transportation hubs, and demand for industrial space.
- Value-Add Opportunities: Provide funding for renovations, upgrades, or repositioning to attract tenants and improve cash flow.
- Specialized Needs: Accommodate properties with unique requirements, such as cold storage, heavy equipment facilities, or specialized manufacturing.
Example Property Types We Finance
- Warehouses and Distribution Centers
- Manufacturing Facilities
- Cold Storage Facilities
- Flex Industrial Properties
- Research and Development (R&D) Facilities
- Logistics and Fulfillment Centers
Tailored Solutions for Industrial Property Owners and Investors
Whether you’re looking to acquire a new industrial property, refinance an existing one, or fund value-add improvements, we provide end-to-end support to ensure a seamless financing process.
| Detail | Description |
|---|---|
| Time Required to Close | 45-60 Days on Average |
| Loan Size | 500k to 3M |
| Loan Type | Purchase, Rate & Term, & Limited Cash-Out |
| Loan Purpose | Stabilized Properties, Cross Collateralize – Portfolio, Real Estate (RE) Only, Long-Term Hold, Use Equity – Business Purpose, USDA – Rural |
| Max LTV | Up to 65-70% LTV |
| Terms | 5, 7, 10yr terms |
| Amortization | 20yrs |
| Rates | On request – Please Call |
| DSCR Requirement | 1.25x to 1.45x |
| Lien Position | First Trust Deed Only |
| Borrower Entity | Corporate Structure Required |
| Minimum FICO | 680+ Minimum |
| Prepayment Penalty | Yes – Step down |
| Recourse | Full Recourse |
| Occupancy Requirement | Investor / Owner-Occupied |
| Lender Origination Fees | 0.5%-1.5% |
| Broker Fees | 1%-2% |
| Due Diligence Retainer | $2,500-$7,500+ |
| Packaging Deposit | $895 – Refundable |
| Locations | Continental US |
| Special Requirements | Good Credit History |
***For real estate professional use only, not meant for the general public.
***Rates and terms subject to change without notice.
SBA 504/7a
| Detail | Description |
|---|---|
| Time Required to Close | 60-90 Days on Average |
| Loan Size | 500k to 10M (504) / (7a) |
| Loan Type | Purchase, Rate & Term, Cash-Out |
| Loan Purpose | Small Business, Business Only, Real Estate (RE) Only, RE & Business, Stabilized Businesses, USDA – Rural, Construction to Perm, Equipment Financing, Working Capital Loans, Franchise Financing, Owner-Occupied Commercial Real Estate Financing, Use Equity – Business Purpose |
| Max LTV | Up to 85-90% LTV (504) / (7a) |
| Terms | 5, 7, 10 Up to 25yr (504) / (7a) |
| Amortization | 25yrs |
| Rates | Based on SBA rates – Call for details |
| DSCR Requirement | 1.15x to 1.25x |
| Lien Position | First Trust Deed Only |
| Borrower Entity | For-Profit Business Entity |
| Minimum FICO | 640+ for SBA |
| Prepayment Penalty | SBA Guidelines Apply |
| Recourse | Full Personal Guarantee |
| Occupancy Requirement | 51%+ Owner Occupied |
| Lender Origination Fees | SBA Fee Schedule + 0.5-1.5% |
| Broker Fees | 1%-2% |
| Due Diligence Retainer | $7,500-$12,000+ |
| Packaging Deposit | $895 – Refundable |
| Locations | Continental US |
| Special Requirements | 2+ Years Business History |
CMBS / Life Co. Lending
| Detail | Description |
|---|---|
| Time Required to Close | 60-90 Days on Average |
| Loan Size | 3M to 100M+ |
| Loan Type | Purchase, Rate & Term, Cash-Out |
| Loan Purpose | Stabilized Properties, Real Estate (RE) Only, Cross Collateralize – Portfolio, Large Balance – Institutional Properties, Long-Term Hold, Use Equity – Business Purpose |
| Max LTV | Up to 75% LTV |
| Terms | 5, 7, 10yr terms |
| Amortization | 25-30yrs |
| Rates | On request – Please Call |
| DSCR Requirement | 1.25x to 1.45x DSCR |
| Lien Position | First Trust Deed Only |
| Borrower Entity | Single Asset Entity |
| Minimum FICO | 700+ preferred / 680 min |
| Prepayment Penalty | Yield Maintenance/Step down |
| Recourse | Non-Recourse Available |
| Occupancy Requirement | Investor / Owner-Occupied |
| Lender Origination Fees | 0.5%-1.5% |
| Broker Fees | 1%-2% |
| Due Diligence Retainer | $10,000-$15,000+ |
| Packaging Deposit | $895 – Refundable |
| Locations | Continental US |
| Special Requirements | Strong Property Financials |
***Rates and terms subject to change without notice.
Bridge Lending
| Detail | Description |
|---|---|
| Time Required to Close | 4-6 Weeks on Average |
| Loan Size | 500k to 50M+ |
| Loan Type | Purchase, Rate & Term, Cash-Out |
| Loan Purpose | Bridge to Perm / Sell, Value-Add / Light Rehab Fix n Flip/Hold, Value-Add / Lease-Up & Stabilize, Construction to Perm, Quick Close, Bad Credit, Light Document, Reduced Underwriting, Short-Term, Distressed Property, Use Equity – Business Purpose |
| Max LTV | Up to 75% LTV |
| Terms | 1-3yr terms |
| Amortization | 30yrs – Typically I/O |
| Rates | On request – Please Call |
| DSCR Requirement | 1.0x DSCR minimum |
| Lien Position | First Trust Deed Only |
| Borrower Entity | Single Asset Entity |
| Minimum FICO | 680+ preferred / 650 min |
| Prepayment Penalty | Typically 3-1% step down |
| Recourse | Typically Recourse |
| Occupancy Requirement | Investor / Owner-Occupied |
| Lender Origination Fees | 1%-3% |
| Broker Fees | 1%-2% |
| Due Diligence Retainer | $5,000-$7,500+ |
| Packaging Deposit | $895 – Refundable |
| Locations | Continental US |
| Special Requirements | Exit Strategy Required |
***For real estate professional use only, not meant for the general public.
***Rates and terms subject to change without notice.
Hard Money Lending
| Detail | Description |
|---|---|
| Time Required to Close | 1-2 Weeks on Average |
| Loan Size | 500k to 20M+ |
| Loan Type | Purchase, Rate & Term, Cash-Out |
| Loan Purpose | Quick Close, Bad Credit, Light Document, Value-Add / Light Rehab Fix n Flip/Hold, Value-Add / Repurpose, Construction – Heavy / Add Sq. Ft, Construction – Land Development, Non-Performing Asset Acquisition, Distressed Borrowers, Distressed Property, Use Equity – Business Purpose |
| Max LTV | Up to 65% LTV |
| Terms | 12-18mo Terms |
| Amortization | Interest Only – I/O |
| Rates | On request – Please Call |
| DSCR Requirement | Not typically required |
| Lien Position | First Trust Deed Only |
| Borrower Entity | Single Asset Entity |
| Minimum FICO | 600+ preferred / 550 min |
| Prepayment Penalty | Typically None |
| Recourse | Typically Recourse |
| Occupancy Requirement | Investor / Owner-Occupied |
| Lender Origination Fees | 2%-5% |
| Broker Fees | 1%-2% |
| Due Diligence Retainer | $7,500-$12,000+ |
| Packaging Deposit | $895 – Refundable |
| Locations | Continental US |
| Special Requirements | Exit Strategy Required |