Industrial & Warehouse Loans | $1M to $100M+ | Commercial Lending Solutions

The Best Industrial Financing, Tailored to Your Deal

Industrial real estate is one of the strongest-performing asset classes in commercial real estate. Whether you're acquiring a distribution center, refinancing a manufacturing facility, or financing a sale-leaseback on an owner-occupied warehouse, Commercial Lending Solutions connects you with the right lender and the right program for your specific situation.

As a commercial mortgage broker with access to over 1,000 lenders, including life insurance companies, banks, credit unions, CMBS conduits, SBA lenders, and debt funds, we present your deal to multiple capital sources simultaneously and negotiate the best terms on your behalf.

Industrial Loan Programs

Program	Rate	Term	LTV
Life Company	5.75%, 6.25%	7-25 yr	Up to 65%
Bank / Credit Union	6.00%, 7.00%	5-10 yr	Up to 75%
CMBS	6.25%, 7.25%	5-10 yr	Up to 70%
Bridge	7.50%, 9.50%	12-36 mo	Up to 75%
SBA 504	6.00%, 6.75%	25 yr	Up to 90%

Rates shown are approximate ranges as of Q1 2026 and vary by property size, location, borrower strength, and market conditions.

Common Industrial Use Cases

Acquisition

Financing for purchasing industrial buildings, warehouses, and distribution facilities. We match your deal with the best acquisition loan program based on property type, tenant profile, and your investment timeline.

Refinance

Lower your rate, extend your term, or pull cash out of your stabilized industrial asset. Take advantage of competitive permanent rates to optimize your capital structure.

Sale-Leaseback

Unlock the equity in your industrial property while maintaining operational control. Sell to an investor, lease it back, and redeploy capital into your business or other investments.

Owner-Occupied (SBA)

SBA 504 loans offer up to 90% financing for owner-occupied industrial properties with below-market fixed rates and 25-year terms. Ideal for businesses that own and operate their facilities.

Property Types We Finance

Distribution centers
Last-mile delivery facilities
Manufacturing facilities
Cold storage & refrigerated warehouses
Flex/R&D buildings
Multi-tenant industrial parks
Truck terminals & logistics hubs
Self-storage facilities

Why Use an Industrial Loan Broker?

Industrial lending spans multiple capital sources, life companies, banks, CMBS, SBA lenders, and debt funds, each with different rate structures, underwriting criteria, and terms. Going directly to one lender means you get one set of terms. Working with Commercial Lending Solutions, your deal is shopped to the entire market.

Access to 1,000+ lenders, including specialized industrial and SBA lenders
One application, multiple competing term sheets
We negotiate on your behalf, rate, fees, prepayment flexibility, interest-only periods, and cash-out limits
Dedicated broker managing your deal from application through funding
No upfront fees, we only get paid when your loan closes

Prefer to talk? Call the broker directly.

310.708.0690

Trevor Damyan · Mon-Fri 9am-5pm PT

Get Your Industrial Loan Quote

Fill out the form below. We respond within 24 hours.

Or use our full application · Call 310.708.0690

FAQ

Industrial Loan Questions

Most industrial lenders require a minimum Debt Service Coverage Ratio (DSCR) of 1.20x to 1.30x. Life insurance companies and CMBS lenders typically require 1.25x or higher, while banks may accept 1.20x for strong borrowers with long-term tenants. Single-tenant industrial properties with credit tenants on long leases may qualify for more favorable DSCR requirements. SBA 504 loans for owner-occupied properties have their own underwriting criteria based on business cash flow rather than traditional DSCR.

Environmental due diligence is a critical component of industrial lending. All lenders require a Phase I Environmental Site Assessment (ESA) at minimum. If the Phase I identifies potential contamination, a Phase II ESA with soil and groundwater testing may be required. Properties with known environmental issues can still be financed, but options may be limited to specialized lenders. Historical manufacturing use, fuel storage, dry cleaning operations, and chemical handling are common triggers for additional environmental review. Clean environmental reports strengthen your loan application significantly.

Sale-leaseback transactions allow business owners to unlock the equity tied up in their industrial real estate while maintaining operational use of the property. Key benefits include: immediate access to capital for business expansion or debt reduction, potential tax advantages (lease payments are typically fully deductible), removal of real estate from the balance sheet, and the ability to negotiate long-term lease terms. Sale-leasebacks are particularly popular for manufacturing and distribution companies that want to redeploy capital into their core business operations rather than hold real estate.

Yes. The SBA 504 loan program is an excellent option for businesses that occupy at least 51% of an industrial property. SBA 504 loans offer up to 90% financing (compared to 65-75% with conventional loans), below-market fixed rates, and 25-year fully amortizing terms. This means lower monthly payments and no balloon maturity risk. The program works for acquisitions of existing properties, new construction, and major renovations. The borrower must be a for-profit business operating in the United States. Commercial Lending Solutions works with multiple SBA Certified Development Companies (CDCs) to arrange SBA 504 financing for industrial properties nationwide.

Important Loan Disclosures

Representative Example: An $8,000,000 industrial loan at a 6.00% fixed rate with a 10-year term and 25-year amortization would have an estimated monthly principal and interest payment of approximately $51,500. Total amount repayable over the 10-year term: approximately $6,180,000 (balloon balance due at maturity). This example is for illustrative purposes only; your actual rate, payment, and terms may differ.

Rate Range: Industrial loan rates currently range from approximately 5.75% to 7.25%, depending on program type (life company, bank, CMBS, bridge, SBA), property size, location, leverage, and market conditions at the time of funding.

Fees: Origination fees typically range from 0.5% to 2.0% of the loan amount. Additional costs may include appraisal ($3,000-$10,000), legal fees ($5,000-$15,000), title insurance, environmental reports, and third-party inspections. All fees will be disclosed in writing before loan commitment.

Loan Terms: Industrial loan terms range from 5 to 25 years with bank, life company, CMBS, and SBA execution available. Non-recourse financing available for qualifying properties and borrowers. Prepayment penalties (yield maintenance, defeasance, or step-down) may apply depending on the program.

Risks: Commercial real estate loans carry inherent risks including but not limited to: property value decline, interest rate changes, inability to refinance at maturity, tenant vacancy, environmental liability, and potential loss of invested equity or the property itself. Borrowers should consult with qualified financial, legal, and tax advisors before committing to any loan.

Broker Disclosure: Commercial Lending Solutions (Commercial Lending Solutions) is a commercial mortgage brokerage, California DRE License #02244836. Commercial Lending Solutions does not make loans directly. All loans are originated and funded by third-party lenders. Commercial Lending Solutions receives compensation from the borrower, the lender, or both upon successful loan closing. Commercial Lending Solutions is not affiliated with or endorsed by any specific lender.

Industrial Loans: $1M-$50M | Warehouse, Flex & Manufacturing