$15 Million Cold Storage Refinance

By Trevor Damyan, Commercial Mortgage Broker at Commercial Lending Solutions

A $15 million cold storage refinance typically fits a stabilized 80,000 to 150,000 square foot refrigerated warehouse leased to an institutional cold-chain operator. Most $15M cold storage refis fund through life co, CMBS, or specialty industrial banks.

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What a $15M Cold Storage Refinance Capital Stack Looks Like

$15M cold storage refinances fund as a single senior loan from a life co, CMBS, or specialty industrial bank.

Capital Source Rate / Cost Size / LTV Notes
Life insurance company 6.05 to 6.85% $15M / 55 to 65% LTV Trophy long-WALT credit-tenant
CMBS conduit 6.65 to 7.45% $15M / 65 to 70% LTV Stabilized cold storage
Specialty industrial bank 7.25 to 8.45% $15M / 65 to 75% LTV Multi-location operators
Bridge debt fund SOFR + 425 to 600 $15M / 65 to 75% LTC Value-add or transitional

Pricing reflects active CLS CRE quote pipeline as of April 2026. Specific deal pricing depends on sponsor, property, and structure.

Who Closes a $15M Cold Storage Refinance Deal

Typical $15M cold storage refinance sponsors are institutional industrial owners with cold storage allocations or vertically integrated cold-chain operators. Lineage Logistics and Americold Realty Trust dominate the institutional cold storage market.

A Real $15M Example

On a $15.6M refinance of a 110,000 sq ft refrigerated warehouse leased to a regional food distributor on 11 years remaining triple-net, the sponsor financed through life co at 6.55 percent fixed 15-year, 60 percent LTV ($9.4M).

Anonymized. All deal references protect borrower and lender identity.

$15M Cold Storage Refinance FAQ

Stabilized cold storage typically trades at 6.00 to 7.00 percent cap rates with trophy properties at the tighter end.
Cold storage refinances are typically 50 to 100 basis points wider than standard industrial reflecting narrower lender bench. The asset class has matured significantly since 2018.

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