Warehouse and Industrial Property Loans Nationwide
E-commerce, nearshoring, and supply chain restructuring have made industrial the hottest asset class in CRE. Lenders compete for these deals, and we know which ones close.
The Strongest Performing Sector in Commercial Real Estate
Industrial real estate is the strongest performing commercial property sector right now. E-commerce fulfillment, supply chain reconfiguration, and nearshoring trends have driven vacancy rates to historic lows in most major markets. CapitalAx helps industrial property owners and investors access financing for acquisitions, ground-up development, and refinancing through conventional banks, SBA 504 programs for owner-users, and private capital for transitional deals. Clear height, dock count, proximity to transportation corridors, and tenant credit quality drive industrial underwriting, and those fundamentals are strong across Texas and the Sun Belt.
Borrower Profiles
- Industrial property investors
- Logistics and distribution companies
- Manufacturing facility owners
- Owner-users purchasing warehouse space
- Developers building spec industrial
Loan Structures
- Conventional bank industrial loans
- SBA 504 for owner-occupied industrial
- Bridge loans for value-add industrial
- Construction financing for spec and build-to-suit
- CMBS for stabilized industrial portfolios
Underwriting Notes
- Lease term and tenant credit quality
- Clear height, loading docks, and functional utility
- Location relative to transportation infrastructure
- Environmental and zoning considerations
- Market vacancy and absorption trends
Common Challenges
- Rising construction costs for new development
- Environmental liability concerns
- Functional obsolescence in older facilities
- Tenant concentration risk in single-tenant properties
- Infrastructure requirements for modern logistics
Why CapitalAx
Industrial is the strongest-performing CRE sector nationally, but not all lenders have the depth of experience to properly evaluate warehouse, distribution, and manufacturing assets. CapitalAx connects industrial property owners and investors with lenders who understand functional utility metrics, environmental considerations, and the logistics-driven demand that makes this asset class uniquely resilient.
Frequently Asked Questions
What types of industrial properties qualify for SBA 504 financing?
Owner-occupied warehouses, manufacturing facilities, and distribution centers qualify for SBA 504 loans. The business must occupy at least 51% of the property. SBA 504 offers below-market fixed rates, up to 90% financing, and 25-year terms, making it one of the best programs available for businesses purchasing their own industrial space.
How do lenders evaluate clear height and dock configuration in industrial underwriting?
Clear height and dock count directly affect the universe of potential tenants and rental rates. Modern logistics tenants typically require 28-32 foot clear heights and multiple dock-high doors. Older facilities with lower clear heights may still perform well for manufacturing or light industrial uses but generally command lower rents, which lenders factor into their income projections.
Can I get financing for a speculative industrial development?
Yes, but spec industrial construction lending requires a strong developer track record, significant equity (typically 25-35%), and evidence of market demand through low vacancy and positive absorption in the submarket. Pre-leasing activity strengthens the application substantially. CapitalAx works with construction lenders who are comfortable with spec industrial in high-demand markets.