Warehouse and industrial loans
Financing to buy, refinance or build a warehouse or industrial building, whether your business uses it or you lease it out. We match the deal to the right lending partner.
The pre-qualification form takes about a minute.
Run your numbers in the DSCR calculatorPrograms that fit warehouse and industrial property
Warehouse financing turns on who uses the building. If your business operates there, you have access to SBA financing and higher leverage. If you lease it to tenants, the property’s rent carries the loan.
- SBA 7(a) loans. Government-backed loans for owner-occupied property. Generally up to 90% loan-to-value (LTV), the loan as a share of the property’s value. That keeps more cash in your business.
- Conventional commercial loans. Work for owner-occupied buildings and investment property. Up to 85% LTV with full income documentation.
- No income verification loans. Qualify on the property and your assets instead of tax returns. LTV is typically around 70% depending on the scenario.
- Construction loans. Build a new warehouse or industrial building with SBA construction financing (owner-occupied) or a conventional construction loan. SBA typically allows up to 88% LTV on construction and conventional up to 85%.
Seller financing. On a purchase, the seller can carry up to 20% of the price as a seller second mortgage. That second loan sits behind the main loan and reduces the cash you need at closing.
The minimum loan on commercial real estate programs is $250,000.
What lenders look at
Owner-occupied or investment
This decides the program. Owner-occupied deals lean on your business’s financials. Investment deals lean on the leases.
Cash flow
For owner-occupied property, lenders check that the business earns enough to carry the mortgage. For leased property, they use the debt service coverage ratio (DSCR): the property’s net operating income divided by its annual loan payments. Our DSCR calculator shows where a deal lands.
Tenants and leases
On investment property, lenders read the leases closely. They look at who the tenants are, how much rent they pay and how long the leases run.
The building itself
Clear height, loading docks, truck access and zoning all affect value and how easily the building could be re-leased. The appraisal accounts for them.
Down payment and equity
SBA needs the smallest down payment, no income verification the largest. A seller second can bridge part of the gap.
Credit and experience
Lenders review your personal credit and, for owner-occupied deals, how long your business has operated. On investment property, a track record of owning and leasing commercial space helps. If your tax returns understate what the property or business earns, ask your loan expert about no income verification options.
Leasing part of the building and using the rest? Tell your loan expert how the space is split. The share your business occupies can decide whether SBA financing is available.
How it works
- Apply online. Complete the 1-minute pre-qualification form with your property and loan request.
- Talk to your loan expert. You are assigned one Standout loan expert who reviews the deal and identifies the programs that fit.
- Compare your options. Your loan expert presents the best available options from our lending partners.
- Close. We package the file for the lending partner you choose and guide you through to closing.
Common questions
Can I use an SBA loan for a warehouse?
Yes, if your business occupies the building. For a warehouse you lease to tenants, a conventional loan is the route.
Can I finance a warehouse without income documentation?
Yes. No income verification loans are available, with loan-to-value typically around 70% depending on the scenario.
What loan-to-value can I get on an SBA or conventional loan?
In general, SBA loans go up to 90% loan-to-value and conventional loans up to 85%. On construction, SBA typically allows up to 88% and conventional up to 85%.
Can the seller finance part of the purchase?
Yes. A seller can carry up to 20% of the price as a seller second mortgage on warehouse and industrial loans.
Can I build a new warehouse or industrial building?
Yes. Construction financing is available through SBA loans for owner-occupied buildings and conventional loans.
Explore the programs
All loan programs- Loan program SBA 7(a) loans for commercial real estate Buy, build or improve the building your business operates from, with a lower down payment. Repayment up to 25 years
- Loan program Conventional commercial loans Bank and credit-union financing. For strong credit and full documentation, usually the lowest-cost path. Banks and credit unions
- Loan program No doc commercial loans No tax returns or pay stubs. Approval rests on your credit, your assets and the property. No tax returns needed
Ready to take the next step?
Apply in about a minute. Your loan expert will guide you from there.