Underwrite the opportunity
We review property performance, sponsorship, business plan, and financing priorities.
The industrial sector benefits from strong tenant demand, low vacancy rates, and favorable rent growth trends across most major markets. Lenders view industrial assets favorably due to long-term lease structures, creditworthy tenants, and relatively low capital expenditure requirements. CLS CRE's track record includes financing for distribution centers, cold storage, manufacturing plants, truck terminals, data centers, and specialty industrial assets.
Underwriting starts with the asset: income durability, tenancy or operations, physical condition, market position, sponsorship, and the proposed business plan shape the lender universe.
We match the property, sponsorship, and business plan to lenders with current appetite, then compare proceeds, pricing, recourse, reserves, prepayment, and closing certainty.
| Financing path | Where it may fit |
|---|---|
| Bank Permanent Loans | Relationship-oriented capital that can offer local market knowledge and structural flexibility, with recourse often considered. |
| Life Insurance Company Loans | Long-duration fixed-rate capital for high-quality assets and experienced sponsors, generally with conservative leverage. |
| CMBS | Non-recourse execution with broad property appetite, balanced against more standardized servicing and prepayment provisions. |
| Bridge Loans | Flexible short-term capital for acquisition, lease-up, renovation, repositioning, or other transitional business plans before stabilization or sale. |
| Construction Loans | Draw-based financing for ground-up development, major renovation, or conversion, sized to budget, schedule, sponsorship, and the planned permanent exit. |
| Government-supported owner-occupied financing with program-specific eligibility, occupancy, and documentation standards. |
The objective is not simply to find a lender. It is to create a credible, comparable set of financing choices around the transaction.
Property-level insight and lender appetite have to meet before pricing becomes meaningful.
We review property performance, sponsorship, business plan, and financing priorities.
The request is matched to capital sources that understand the asset and market.
Rate, proceeds, recourse, reserves, prepayment, and execution risk are evaluated together.
We coordinate lender diligence, third-party reports, documentation, and issue resolution through funding.
We arrange industrial financing nationwide while accounting for local property fundamentals and lender appetite.
The final structure depends on the property, sponsor, market, and requested execution.
Sizing your equity? See the down payment guide for commercial property: typically 20% to 30% down, with SBA owner occupied from 10%.
Industrial properties qualify for competitive financing from banks, life insurance companies, CMBS lenders, and debt funds. Life companies offer the best rates for stabilized assets, while banks provide flexibility for portfolio deals. Bridge and construction loans are available for value-add and development.
Industrial loan rates range from 5.34% to 8.25% for permanent financing, with rates on the lower end for long-term credit-tenant net lease assets. Construction loans range from 6.79% to 10%+, and bridge loans fall in the 7-12% range depending on the transition strategy.
Yes. Cold storage and food processing facilities qualify for commercial financing, though they require lenders experienced with the specialized infrastructure and operating requirements. CLS CRE has closed over $87M in cold storage and food processing deals.
Industrial property LTV ratios range from 65% to 75% for permanent financing, with banks and life companies at the higher end for strong deals. Construction loans offer 65-80% of total project cost, and bridge loans provide 65-75% of as-is value.
Yes. Owner-occupied industrial properties (where the business occupies at least 51% of the space) qualify for SBA 504 and 7(a) loans with up to 90% financing. This is ideal for manufacturing, distribution, and production companies purchasing their own facilities.
Data center financing is evaluated based on power infrastructure, connectivity, tenant quality, lease terms, and replacement cost. Lenders look for long-term leases with creditworthy tenants, redundant power and cooling systems, and strategic locations near fiber optic networks.
Share the property and transaction. We will respond within 24 hours with an initial view.