We finance warehouses, distribution centers, and industrial properties for both investors and owner-occupied business buyers. Which financing path fits depends on one key question: are you buying the property as an investment, or to run your own business out of it?
| Property Types | Car washes, gas stations, golf courses, event venues, recreational facilities, self-storage, bowling alleys, marinas, and similar single-purpose properties |
| Owner-Operator Financing | Conventional, SBA 7(a), or SBA 504 |
| Investor / NNN Financing | Conventional only |
| SBA 504 Equity Injection | 15% (vs. 10% standard) — 20% for startups |
Unlike an office building or warehouse, a special-purpose property has few alternative uses if the business fails. That limits a lender’s fallback position, which is why underwriting leans harder on the strength of the business itself, not just the real estate. In many cases, the deal finances the real estate, the business, and the furniture, fixtures, and equipment together, as one package – closer to a hybrid business-and-real-estate loan than a standard commercial mortgage.
If you’re operating the business yourself, SBA financing is often available — with one key difference from standard commercial real estate: special-purpose properties require a higher equity injection.
| Conventional | SBA 7(a) | SBA 504 | |
|---|---|---|---|
| Down Payment | 25%–35%+ | 10%–15% | 15% (20% for startups) |
| Rate | Market, varies by lender | Floating, tied to WSJ Prime | Fixed for the full term |
| Best For | Strong operating history, want lender flexibility | Real estate plus business acquisition or working capital in one loan | Long-term rate certainty on real estate and equipment |
Special-use properties can also be financed as investments – for example, gas station or car wash real estate leased to an operator on a net lease. These deals are financed conventionally only, since SBA requires the borrower’s own business to occupy the property.
402 5th Ave Ste 102
Indialantic, FL 32903
