Manufacturing Facility Financing Nationwide, Conventional Real Estate to $100M
🏭 Financing Built for ManufacturersI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. Manufacturing facility financing is where most owners get pushed toward slow SBA paperwork they never wanted. Here’s the better path: I have conventional, private commercial real estate financing up to $100 million* to buy, build, expand or refinance your plant… fast, with the property as collateral, and the government left out of it. Need ground-up construction, a bridge with a clock on it, or a cash-out refi to fund equipment? Covered. And if the lower-down-payment SBA 504 route genuinely fits you better, I have that too. You choose the track.
Manufacturing Facility Financing for Every Real Estate Move
Whether you’re buying a plant, building one ground-up, expanding for heavier machines, or refinancing what you own, there’s a path built for it… and for most of these, you do not need an SBA loan. Here’s what manufacturing facility financing commonly covers.
Buy the Plant (Conventional to $100M*)
Conventional, private commercial real estate financing to buy your facility, underwritten on the property and the deal, fast, with no SBA paperwork.
Build New (Construction and Development)
Ground-up construction and land development for a new plant, drawn in stages, including the pad, structure and heavy electrical.
Expand and Retrofit
Add square footage or retrofit for heavier machines, reinforced floors, higher ceilings, expanded power, utility and ventilation.
Bridge Financing
Move fast when a deal has a clock, interest-only owner-occupied bridge financing with an SBA or permanent takeout exit.*
Refinance and Cash-Out
Lower the rate on your current mortgage or pull equity out of an owned plant to fund equipment and growth.
SBA 504 (If You Want It)
The lower-down-payment, long fixed-rate government route for owner-occupied plants up to $5M, with FY2026 manufacturing fee waivers.
A Manufacturer Bought a $14M Plant on Conventional Financing After the Bank Insisted on SBA
A profitable manufacturer found the right plant to buy and land a major contract, but the deal had a closing deadline. The bank only offered a slow SBA 504 with months of paperwork and occupancy rules the owner did not want. The clock was running and SBA could not move fast enough.
They called me. I matched them to conventional, private commercial real estate financing, no SBA, underwritten on the property and the deal, with the facility as collateral and a fast close that beat the deadline. They bought the plant on their terms and kept the government out of it entirely.
That’s what the right facility match looks like. Don’t Beg the Bank! Get funded instead.
Manufacturing Facility Financing, the Right Tool for Each Need
Manufacturing facility financing isn’t one product, and you have a real choice between fast conventional financing and the SBA route. The right structure depends on what you’re doing. I match you to the one that fits, tap any to explore it.
Commercial Real Estate
Conventional, non-SBA financing to buy or refinance your plant up to $100 million* on qualified deals.
See SBA 7(a)Construction and Development
Build new or expand the plant, ground-up construction and development drawn in stages.
See construction loansSBA 504 and Real Estate
Own the plant your business operates in with long-term, fixed-rate commercial real estate financing.
See SBA 504Equipment Financing
Finance the machines for the new or expanded plant, with the equipment as collateral.
See equipment financingWorking Capital
If you want it, the lower-down-payment SBA 504 route for owner-occupied plants up to $5M.
See working capitalLine of Credit
Revolving capital for the ups and downs of running a plant, draw only what you need.
See lines of creditQualifying for Manufacturing Facility Financing
Conventional facility financing is different from an SBA loan. The lenders I work with underwrite the property and the deal, not just years of tax returns, so a manufacturer with a solid facility, a real plan and decent credit can close fast without government paperwork. The SBA route is there if you want the lower down payment. I qualify deals honestly.
✅ What helps you qualify
- ✔A facility to buy, build or refinance, and an operating or planned manufacturing business.
- ✔A solid property and decent credit, the foundation a conventional real estate lender wants.
- ✔A facility to buy, build or refinance and a deal a lender can underwrite.
- ✔A down payment or contribution, which a parent or family member can help with.
💡 Straight talk
- →Conventional real estate is underwritten on the property and deal, and closes fast, no SBA.
- →You choose the track: fast conventional up to $100 million*, or SBA 504 if it fits.
- →Credit is flexible, there’s no single hard FICO floor; stronger credit means better terms.
- →A past bank rejection does not disqualify you; the deal and your credit matter more.
Get Your Manufacturing Facility Financing Options
A quick, no-pressure pre-qualification. I personally review every submission, no call center, no junior rep.
Got it. I’m on it.
Your manufacturing facility financing request landed in my inbox. I personally review every submission and most responses go out within one business hour.
Watch for a call from me, Kevin Kermeen, I call directly, I don’t text.
Recent Manufacturing Facility Financing From My Desk
A snapshot of the manufacturing facility financing I match to lenders nationwide, plant by plant. Every facility and deal is different, yours starts with a conversation.
Manufacturing Facility Financing · Conventional
A manufacturer bought a larger plant on conventional, non-SBA real estate financing with a fast close.
Ground-Up Construction
A producer financed a new plant with staged construction and development draws on raw land.
Cash-Out Refinance
An owner refinanced an owned plant and pulled equity to fund a new automated production line.
How I Match Manufacturing Facility Financing to the Right Lender
The biggest decision in a facility deal is conventional versus SBA, and most owners are never shown the conventional side. I work with many lenders, so I match your manufacturing facility financing to the right one, and that usually means fast conventional financing up to $100 million* to buy, build, bridge or refinance, with SBA 504 available only if it genuinely suits you. I review both options with you before you commit.
Here’s the reality, and it’s the part most broker sites bury. When you buy or build a manufacturing plant, the bank’s default answer is an SBA loan, and SBA has its place, lower down payment, long fixed terms. But it also means government paperwork, occupancy rules and timelines measured in months, and a lot of manufacturers simply do not want it, especially when a deal has a clock on it. The conventional path is different: private commercial real estate financing underwritten on the property and the transaction, secured by the facility itself, closing fast and keeping the government out of your business, available up to $100 million* on qualified deals. To build new or expand, construction and development financing funds the project in stages, the pad, the structure, the reinforced floors and heavy electrical a plant needs. When a purchase has a deadline, owner-occupied bridge financing moves quickly and is later taken out by permanent or SBA financing.* And when you already own the plant, a refinance can lower your rate or pull equity out to fund equipment. You choose the track that fits, not the one the bank pushes.
The right structure depends on what you’re doing. Buying a plant fast usually runs through a conventional SBA 7(a) loan, and broader options live across the SBA loan programs. Buying or refinancing the plant fast and without SBA strings is a commercial real estate loan, conventional and up to $100 million* on qualified deals, while building new or expanding runs through construction and development financing drawn in stages, and the machines for the new space through equipment financing. If you want to own the building, an SBA 504 loan or commercial real estate loan gives long-term, fixed-rate terms. The lower-down-payment government route points to SBA 504 financing, and the ramp-up months are covered by working capital loans or a business line of credit.
So tell me what you’re doing with the real estate, buying, building, bridging or refinancing, and whether you want to avoid SBA, and I’ll tell you honestly which manufacturing facility financing fits, match you to a lender who can fund it fast, and stay with you through closing. For the SBA route or other manufacturing financing, see my manufacturing business loans hub, or compare every option on my loan programs page. Don’t Beg the Bank! Get funded instead.
Sources: U.S. Small Business Administration, 7(a) loan program and 504 loan program.
Straight Answers Before You Apply
What is manufacturing facility financing?
Do I have to use an SBA loan to buy my plant?
How fast can conventional facility financing close, and how much leverage?
Can I build a new plant or use bridge financing?
Can I refinance or pull cash out of a plant I already own?
What does it cost to work with you?
A Broker Who Knows the Conventional Side, Not Just SBA
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, not a bank and not a lead-selling portal. Most brokers only know the SBA playbook for a facility deal. I work with the conventional, private real estate lenders too, the ones who close fast up to $100 million* without government strings, and knowing when to use conventional versus SBA is the whole point of working with me. I personally review every application, I call you directly, and I never text. For program details, see the SBA’s 7(a) loan program.
Don’t Beg the Bank!
Get Funded Instead.
Banks hand out umbrellas when the sun is shining, not when you’re weathering the storm … and they’ll push you into slow SBA paperwork for a plant you could buy faster. I match you to manufacturing facility financing built for owners who want options … conventional real estate up to $100 million* without the SBA paperwork, ground-up construction, fast bridge financing, cash-out refinancing, and the SBA 504 route only if you want it. Get a same-day callback from a broker who reviews every deal himself.
Manufacturing facility financing through conventional commercial real estate, construction and development is available up to $100 million on qualified transactions. *90% leverage applies only to qualified commercial real estate, development and construction transactions generally between $5 million and $100 million (loan-to-value on stabilized properties; a blended loan-to-value and loan-to-cost on ground-up construction); large-deal terms generally run 12 to 60 months with closings typically in 15 to 30 days, and stabilized permanent financing runs 5 to 30 years. Owner-occupied bridge financing generally runs $150,000 to $100 million, 60 to 75% loan-to-value, interest-only, 6 to 60 month terms, with an SBA or permanent takeout exit. All figures are illustrative and not a commitment to lend; actual rates, leverage, terms and timing vary by lender, creditworthiness, property, collateral and structure. SBA 504 and 7(a) loans are capped at $5 million and are separate government-backed programs with their own eligibility, terms and timelines set by the SBA. No upfront fees refers to fees payable to 75BizLoans.com; I am paid by the lender at closing. Some partner lenders may require a commitment deposit when you accept their term sheet.