Industrial Warehouse Financing Nationwide, Conventional Real Estate to $100M
📦 Financing Built for Industrial and WarehouseI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. Industrial warehouse financing funds one of the hottest real estate classes in the country, driven by e-commerce, reshoring and the boom in distribution and fulfillment. Whether you’re buying a warehouse, a distribution center, a cold-storage building or flex-industrial space, I have conventional, private commercial real estate financing up to $100 million* to buy, build or refinance, fast and without SBA paperwork. Need ground-up construction or a bridge to move fast on a deal? Covered. And the SBA 504 route is there for owner-occupied if you want it. I match you to lenders who fund industrial property.
Industrial Warehouse Financing for Every Kind of Space
Whether you’re buying a distribution center, building cold storage, or expanding a fulfillment warehouse, there’s a path built for it, and most of it does not need an SBA loan. Here’s what industrial warehouse financing commonly covers.
Warehouses and Distribution (to $100M*)
Conventional, non-SBA financing to buy or refinance warehouses, distribution centers and fulfillment buildings, fast, with no government paperwork.
Cold Storage
Finance refrigerated and freezer warehouses, the refrigeration infrastructure and the higher build cost that cold-chain distribution demands.
Build New (Construction)
Ground-up construction and development for new distribution space, dock doors, clear-height, slab and racking.
Flex-Industrial
Finance flex space that combines office and warehouse, the versatile property type that suits light industrial and distribution.
Expand and Retrofit
Add dock doors, raise clear-height, install racking or refrigeration, finance the expansion that grows your throughput.
Bridge, Refinance and Cash-Out
Move fast on an acquisition with bridge financing,* or refinance and pull equity out of a warehouse you already own.
A 3PL Bought a $22M Distribution Center on Conventional Financing While SBA Was Still Out of Reach
A growing third-party logistics operator needed a large distribution center to land a national fulfillment contract. The deal was well past the $5 million SBA cap and had a closing deadline, but the bank only knew how to offer slow, capped government financing. The clock was running.
They called me. I matched them to conventional, private commercial real estate financing, no SBA and no cap, underwritten on the property and the deal, with a fast close that beat the deadline. They took the building, won the contract, and scaled the operation on their own terms.
That’s what the right industrial match looks like. Don’t Beg the Bank! Get funded instead.
Industrial Warehouse Financing, the Right Tool for Each Need
Industrial warehouse financing isn’t one product, and for the building 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 warehouse and distribution property up to $100 million* on qualified deals.
See SBA 7(a)Construction and Development
Build new distribution or cold-storage space, ground-up construction and development drawn in stages.
See construction loansSBA 504 and Real Estate
Own the warehouse your operation runs in with long-term, fixed-rate commercial real estate financing.
See SBA 504Equipment Financing
Finance racking, forklifts, conveyors and refrigeration, with the equipment as collateral.
See equipment financingWorking Capital
If you want it, the lower-down-payment SBA 504 route for owner-occupied warehouses up to $5M.
See working capitalLine of Credit
Revolving capital for inventory and operating swings, draw only what you need.
See lines of creditQualifying for Industrial Warehouse Financing
Industrial real estate is one of the strongest collateral classes there is, and conventional lenders underwrite the property and the deal, not just years of tax returns. So a buyer with a solid warehouse or distribution building and decent credit can close fast without SBA. The SBA 504 route is there if you want the lower down payment. I qualify deals honestly.
✅ What helps you qualify
- ✔A warehouse, distribution or flex-industrial property to buy, build or refinance.
- ✔A solid building and decent credit, the foundation an industrial lender wants.
- ✔A warehouse or distribution building 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 Industrial Warehouse 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 industrial warehouse 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 Industrial Warehouse Financing From My Desk
A snapshot of the industrial warehouse financing I match to lenders nationwide, building by building. Every building and deal is different, yours starts with a conversation.
Industrial Warehouse Financing · Distribution Center
A 3PL bought a large distribution center on conventional, non-SBA financing past the SBA cap with a fast close.
Cold Storage Build
An operator financed a ground-up refrigerated warehouse with staged construction draws for cold-chain distribution.
Flex-Industrial Refi
An owner refinanced a flex-industrial building and pulled equity to expand racking and dock capacity.
How I Match Industrial Warehouse Financing to the Right Lender
Industrial real estate is competitive money right now, and lenders differ on building type, location and deal size. I work with many, so I match your industrial warehouse financing to the right one, usually fast conventional financing up to $100 million* to buy, build or refinance, with SBA 504 available if it suits you, and I review both options with you before you commit.
Here’s the reality in industrial real estate. It is one of the hottest, most lender-favored asset classes in the country, driven by e-commerce, reshoring and the relentless growth of distribution and fulfillment, which means strong financing is available, but most owners are only shown the SBA path. The conventional path is better for most warehouse and distribution deals: private commercial real estate financing underwritten on the property and the transaction, secured by the building itself, closing fast and reaching up to $100 million* on qualified deals, with no government cap or occupancy rules. Cold storage adds refrigeration infrastructure and a higher build cost, and lenders who know the asset price it accordingly. To build new, construction and development financing funds the dock doors, clear-height, slab and racking in stages. When a deal has a deadline, bridge financing moves fast and is taken out by permanent financing later.* And when you already own the building, a refinance can lower your rate or pull equity out to expand. SBA 504 remains a fine option for smaller owner-occupied warehouses if you want the lower down payment.
The right structure depends on what you’re doing. Buying a building fast usually runs through a conventional SBA 7(a) loan, and broader options live across the SBA loan programs. Buying or refinancing the building fast and without SBA strings is a commercial real estate loan, conventional and up to $100 million* on qualified deals, while building new runs through construction and development financing, and racking, forklifts and refrigeration 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. A production plant points to manufacturing facility financing, and the ramp-up months are covered by working capital loans or a business line of credit.
So tell me what kind of space you need, a warehouse, distribution center, cold storage or flex-industrial, and whether you’re buying, building or refinancing, and I’ll tell you honestly which industrial warehouse financing fits, match you to a lender who can fund it fast, and stay with you through closing. For the production-plant side 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 industrial warehouse financing?
Do I have to use SBA to buy a warehouse?
Can I finance cold storage or a refrigerated warehouse?
How fast can conventional industrial financing close, and how much leverage?
How much industrial warehouse financing can I get?
What does it cost to work with you?
A Broker Who Knows the Conventional Industrial Lenders
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, not a bank and not a lead-selling portal. Industrial real estate has its own conventional lenders who close fast up to $100 million* without government strings, and knowing which one fits your warehouse, distribution or cold-storage deal, versus when SBA makes sense, 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 cap a large distribution deal at the SBA ceiling. I match you to industrial warehouse financing built for the boom … conventional real estate up to $100 million* without the SBA paperwork, ground-up construction, cold storage, 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.
Industrial and warehouse 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. Bridge financing is interest-only with a permanent or SBA 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.