Warehouse & Industrial Property Loans

Warehouse Property Loans

Commercial Real Estate Loans

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?

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At a Glance

Property Types	Distribution warehouses, manufacturing facilities, flex/small bay industrial, cold storage, last-mile fulfillment
Typical LTV	65%-75% conventional/CMBS
Typical DSCR Threshold	1.25x or better
Investor Financing	Conventional only - bank, CMBS, bridger
Owner-Occupied Financing	Conventional, SBA 7(a), or SBA 504

Investor Financing

If you’re purchasing warehouse or industrial property as an investment, financing runs through conventional channels only – bank, CMBS, or bridge, depending on the property’s stabilization and your hold strategy. SBA financing isn’t available for investor-owned property, since SBA programs require the borrower’s own business to occupy the space.

Owner-Occupied Financing: Conventional vs. SBA

If your business will operate out of the property, you have more paths to choose from:

	Conventional	SBA 7(a)	SBA 504
Down Payment	20%–30%+	10%	As low as 10%
Rate	Market, varies by lender	Floating, tied to WSJ Prime	Fixed for the full term
Best For	Strong financials, want lender flexibility	Real estate plus other business needs in one loan	Real estate/equipment only, want long-term rate certainty

See SBA 7(a) Loans or SBA 504 Loans for full program details.

Sub-Types We Finance

What Lenders Look For

DSCR - typically 1.25x or better for permanent investor financing
Occupancy - generally 85%–90% for stabilized permanent financing; single-tenant net-lease properties can qualify near 100% occupancy on tenant credit alone
Rent roll and T-12s - verifying actual income and lease terms (investor deals)
Environmental due diligence - a Phase I Environmental Site Assessment is standard on nearly every industrial transaction

Ready to Finance Your Warehouse
or Industrial Property?

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Frequently Asked Questions

Can I get an SBA loan for an investment warehouse property?

No – SBA financing requires your own business to occupy the property. Investor-owned industrial property is financed through conventional, CMBS, or bridge options instead.

Should I use SBA 7(a) or 504 for an owner-occupied warehouse purchase?

504 is often the better fit if you only need the real estate and want a fixed rate for the full term. 7(a) offers more flexibility if you want to bundle the purchase with other business needs.

Do industrial properties require an environmental assessment?

Yes – a Phase I Environmental Site Assessment is standard on nearly every industrial transaction, and properties with prior manufacturing or petroleum use may require additional Phase II testing.

What DSCR do I need to qualify for warehouse financing?

Most permanent investor financing programs look for a DSCR of 1.25x or better, meaning the property’s income should exceed the loan payment by at least 25%.

Address

402 5th Ave Ste 102
Indialantic, FL 32903

Write to us

info@comcapfl.com

Call Us

(888) 959-1648

Commercial Capital Ltd., FL is a direct lender and correspondent for 300+ additional funding sources – including banks, credit unions, and private capital – ranked among the nation’s top 40 commercial lenders for loans closed.