For more than 40 years, Market Capital Lending has helped business owners buy the buildings they operate from — part of the $375 million+ we've arranged for our clients. If you're buying a warehouse for your own business, that's owner-occupied real estate, and it's one of the best uses of an SBA loan: low down payment, long term, and stability. We also finance industrial property for investors. We're a veteran-owned, SBA-approved broker. Below, here's how warehouse financing works.
Owner-occupied vs. investment warehouse
The best structure depends on how you'll use the building:
- Owner-occupied — if your business occupies 51%+ of the space, you likely qualify for SBA 504 or 7(a), with a lower down payment and long, stable terms. Ideal for buying a warehouse to expand or move your operation into.
- Investment / leased — if you're buying industrial property to lease out, a conventional commercial or DSCR-style loan is the fit, underwritten on the property's income. See our commercial real estate loans.
What we finance
We arrange warehouse and industrial acquisitions, ground-up construction, expansions, and refinances (including cash-out) — distribution, flex, manufacturing, and cold-storage facilities. Owner-occupied deals often pair the real estate with equipment and working capital in one SBA loan.
Why choose Market Capital Lending
Whether you're an owner-operator or an investor, the right lender and structure matter. As a veteran-owned, SBA-approved broker with a network of 40–50 lenders, 40+ years of experience, and $375M+ funded, we match your warehouse to the program that fits — and move fast. Start your application or call us.
How Can I Get a Loan to Buy a Warehouse for My Business?
If you're asking how you can get a loan to buy a warehouse for your business, the answer usually starts with whether you'll occupy the space. An owner-occupied warehouse often fits SBA 504 or 7(a) financing with lower equity, while an investment warehouse is underwritten on lease income and debt-service coverage.
Related: SBA 504 loans, commercial real estate loans in Georgia, and current commercial mortgage rates.
Frequently asked questions
Can I use an SBA loan to buy a warehouse for my business?
Yes. If your business occupies at least 51% of the space, an SBA 504 or 7(a) loan can finance the owner-occupied warehouse with a lower down payment and long term.
What's the difference between owner-occupied and investment warehouse financing?
Owner-occupied (you use the space) can use SBA programs with low down payments; investment/leased industrial is financed conventionally, underwritten on the property's rental income.
How much down payment do I need for a warehouse?
Owner-occupied SBA financing typically requires a lower down payment than conventional commercial loans. The exact figure depends on the deal, program, and lender.
Can you finance the equipment inside the warehouse too?
Often, yes — an owner-occupied SBA loan can bundle the real estate with equipment and working capital. We also offer standalone equipment financing.