Flex Building Loans
Part office, part warehouse, all yours.
A bank gives you an answer. As your loan broker, I give you options.
Your building has a front office, a roll-up door in back and tenants that banks don’t know how to classify. I’m Kevin Kermeen, and I place flex building loans for investors and owner-users nationwide. Whether you need flex space financing for a purchase, office warehouse loans for your own business, or small bay industrial loans for a multi-tenant property, I take one complete file to 200+ capital partners. Don’t Beg the Bank!
Call Kevin 7 days a week (Arizona Time).
- Office-warehouse and small-bay multi-tenant
- Investor or owner occupied
- Minimum loan $150,000, up to $100 million
- I review every file personally
Flex Building Loans for Real Situations
If one of these sounds like your week, you are not the only one. Here is how I work each problem when you need flex building loans.
Your bank can’t decide if it’s office or industrial
Your building is half office and half warehouse, and the bank keeps sending it to different departments while your rate lock runs out.
You have 14 small tenants and the bank wants big ones
The building is full of small businesses that pay every month, but the bank wants credit tenants with long leases.
Your company needs its own building
You rent office space and a separate warehouse, and one flex building would replace both.
Banks hand out umbrellas when the sun is shining, not when you are weathering the storm.
Call Kevin 7 days a week (Arizona Time).
How Owners and Investors Use Flex Building Loans
Most people look for flex building loans when something has changed: a purchase, a maturing note, a project that needs capital or equity they want to put to work. Here is what each situation usually needs.
Flex space financing for a purchase
Flex space financing for a purchase is sized on the leases, the mix of office and warehouse space and your down payment.
Office warehouse loans for owner-users
Office warehouse loans for a business that runs out of the building look at the company and the property, with SBA 504 as one option.
Small bay industrial loans
Small bay industrial loans finance multi-tenant buildings with many smaller units. Capital partners want to see tenant turnover and collections.
Refinance and cash-out
Flex building loans can replace a maturing note or release equity for your next property.
Whatever the reason, the best flex building loans are the ones that fit your plan for the property. A loan that looks cheap on paper can cost more if the term, the prepayment rules or the reserves do not match what you are trying to do. I start with your goal, then shop the flex building loans that match it.
What Capital Partners Look At on Flex Building Loans
Every capital partner has its own guidelines, but most flex building loans are reviewed on the same core questions. Knowing them before you apply saves time and surprises.
- Tenant mix: number of tenants, turnover and collections
- Space split: office versus warehouse
- Leases: term and rollover
- Location: access and demand
- Occupancy: leased, vacant or owner occupied
- Your cash in the deal: down payment and reserves
- Credit and history: personal credit, plus any past bankruptcy, foreclosure or default
- The paper trail: leases, operating statements and title
If one of these is weak, it does not automatically end the deal. It changes which capital partners fit. That is the work I do on flex building loans before your file goes out.
My Process for Flex Building Loans
- You call or click. Call Kevin 7 days a week (Arizona Time) at (480) 915-8690, or start the application. Tell me the real story of the deal, including the parts that worry you.
- You apply once. The commercial real estate loan application takes about five minutes, and estimates are fine. After you submit, you can upload documents to a secure link.
- I review the file personally. I look for what a capital partner will question and fix the story before it goes out.
- I match the deal. I take your request for flex building loans to the capital partners in my 200+ network whose guidelines fit your property, purpose and profile.
- You compare terms. I walk you through each option in plain English, including costs and conditions.
- I stay with you to closing. I stay on the file through appraisal, underwriting and closing, so you are not left chasing updates.
Call Kevin 7 days a week (Arizona Time).
Gather these first
To get a quote, capital partners usually want a mortgage statement or the purchase contract, the rent roll and leases if there are tenants, 12 months of operating history, photos of the property, a personal financial statement, a schedule of real estate owned and two months of bank statements. Don’t have everything yet? Start your application anyway. You can send the rest later.
Why Use a Broker for Flex Building Loans
A bank can only offer its own loan. A broker can compare many. I am a nationwide commercial loan broker, not a lender, and I work for you. My job is to know which capital partners are lending on flex building loans right now, and to present your deal so it gets a fair look. Don’t Beg the Bank!
“Kevin works for you, not the lender. Having your full financial picture up front lets him match you with the capital partners that fit your situation best, out of 200+, so you don’t have to apply over and over.”
- Need $150,000 or more
- Have a property, a contract or a real project
- Can share income, expenses and your financial picture
- Want options, not a single take-it-or-leave-it offer
- Need less than $150,000
- Are buying a primary residence
- Want a promise of approval before anyone sees the file
- Are not ready to share documents
Just Funded: Real Commercial Real Estate Deals
Want proof? These are real deals from my Just Funded posts. Read the full story behind each one.
Call Kevin 7 days a week (Arizona Time).
Flex Building Loans FAQ
What are flex building loans?
Flex building loans finance properties that combine office and warehouse or light industrial space, investor owned or owner occupied.
Is flex space financing different from warehouse loans?
Often, yes. Flex space financing considers the mix of office and warehouse space and the type of tenants, which can change which capital partners fit.
Do you place office warehouse loans for owner-users?
Yes. Office warehouse loans for owner-users review the building and the business, and SBA 504 can be an option.
What do small bay industrial loans need for a quote?
Usually the rent roll, leases, operating history and collections, the purchase contract or mortgage statement, photos and a personal financial statement.
What is the minimum for flex building loans through you?
The minimum loan is $150,000. Loans can go up to $100 million depending on the property, the deal and your file.
Is approval certain if I apply?
No. Every file is subject to credit approval, and rates and terms depend on the property, the deal and your file. What I can promise is a personal review and a straight answer.
Do you work in every state?
Yes, I work nationwide in all 50 states. Call Kevin (480) 915-8690 to discuss your situation, 7 days a week (Arizona Time).
Other Commercial Real Estate Loans
Need a different property type? See all commercial real estate loans, or pick a program below.
Ready to Talk About Your Flex Building Loans?
A bank gives you an answer. As your loan broker, I give you options.
Tell me what the bank would not hear. I review every file personally. Call Kevin 7 days a week (Arizona Time). Don’t Beg the Bank!
Call Kevin 7 days a week (Arizona Time).
Subject to credit approval. Terms vary. This is not a commitment to lend.