Self-Storage Loans

Institutional Capital for Storage & Commercial Storage Assets

We provide commercial real estate financing for self-storage facilities across most primary and secondary markets in the United States. Self-storage is a resilient asset class characterized by short-term, month-to-month leasing and diversified tenant demand, making it attractive to both owner-operators and investors.

Our financing solutions support the full lifecycle of self-storage properties, from acquisition and development to refinancing and expansion.

About the Self-Storage Asset Class

The self-storage industry centers on renting storage space, such as rooms, containers, lockers, and outdoor storage, to short-term users. Facilities are designed with flexibility in size, layout, and access, allowing operators to adapt quickly to market demand.

Because of this operating model, self-storage properties often demonstrate:

  • Strong cash-flow durability
  • Lower tenant turnover risk
  • Operational flexibility across economic cycles

Self-Storage Property Types We Finance

  • Drive-up / single-story facilities
  • Modern multi-story storage buildings
  • Climate-controlled storage properties
  • Specialty storage facilities
  • Mini-storage and commercial storage
  • Warehouse-style storage assets

Both owner-occupied and investor-owned facilities are eligible.

Financing Services We Provide

  • Acquisition financing
  • Refinancing and recapitalization
  • Ground-up construction loans
  • Conversion and redevelopment financing
  • SBA loan solutions for qualifying properties

Each loan is structured to align with the property’s operating model and growth strategy.

Self-Storage Loan Programs

Eligible Uses

  • Property purchase or acquisition
  • Refinance of existing debt
  • Property rehabilitation or expansion
  • Construction or conversion projects

Structure Highlights

  • Non-recourse options available (subject to standard carve-outs)
  • Cash-out refinancing available
  • Flexible loan terms tailored to investment objectives
  • Dedicated transaction team assigned to each loan

Loan Program Guidelines (Indicative)

  • Minimum Loan Amount: $1,000,000
  • Rates: Competitive market pricing
    • Fixed and floating options available
  • Loan Terms: 5, 7, 10 years (and longer in select cases)
  • Amortization: 25 to 30 years
  • Prepayment: Multiple options, including no prepayment penalty structures
  • Recourse: Recourse and non-recourse options available
  • Debt Service Coverage (DSCR): Minimum 1.25x
  • Loan-to-Value (LTV/LTC):
    • Up to 80% standard
    • Up to 90% available through SBA programs
  • Assumable: Yes, to a qualified borrower
  • Geography: Available in most U.S. states

Final terms are based on asset quality, market fundamentals, and sponsorship.

Our Self-Storage Financing

  • Private and institutional capital access
  • Experience across all self-storage property types
  • Flexible structures for stabilized and transitional assets
  • SBA and conventional execution options
  • Nationwide lending platform
  • Sponsor-focused underwriting and execution

Best to contact us to get more information about our self-storage loans.

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