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Warehouse bridge

Warehouse Bridge
Loans.

Short-term, interest-only financing for warehouse, flex, and light industrial buildings that are vacant, between tenants, or coming off a maturing loan. Once the building is leased, a 30 year fixed is one way to refinance.

Get a QuoteSee typical terms
Program Snapshot
$1M
Minimum loan
$50M
Maximum loan
75%
Maximum LTV
6 to 36 mo
Term
Warehouse, flex, and light industrial
Vacant and partially leased buildings considered
Seller credits and seller financing allowed on purchases
30 year fixed warehouse loans available to refinance
How it works

See how
warehouse bridge works

A warehouse with one tenant is either fully leased or fully empty. When that tenant leaves, the income goes to zero overnight, and no long-term lender will refinance an empty building. The same thing happens when you buy a vacant warehouse, often at a good price, and need time to find the right tenant.

A warehouse bridge loan closes the purchase or pays off the current loan, and the interest-only payment keeps the holding cost down while you lease the space. Once a tenant is in place, you can refinance into long-term debt. Our Warehouse DSCR loan is one option, with a 30 year fixed available.

  • Buy a vacant warehouse and lease it up
  • Hold a building between tenants without a long-term loan
  • Pay off a maturing loan on a partially leased flex or industrial building
Typical terms

What you can typically borrow

These are typical ranges, not a quote. Your terms depend on the building, the equity in it, your credit, and how quickly it needs to close.

Loan Amount
$1,000,000 to $50,000,000
Maximum LTV
75%Including cash out
Loan Term
6 to 36 monthsExtensions available
Payments
Interest onlyNo principal during the term
Building types
Warehouse, flex, and light industrialSingle and multi-tenant
Occupancy
Vacant and partially leased consideredBelow long-term loan minimums
Valuation
Appraisal, BPO, or neitherPhotos and video only on strong loans
Documentation
Tax returns often not required
Additional Collateral
Free and clear propertyCan be pledged to reduce cash to close
Prepayment
Usually noneMinimum interest may apply on some loans
Leasing plan
Market, tenant demand, and timeline reviewedWeighed against the exit
Exit
Refinance or saleWarehouse DSCR is one option, with a 30 year fixed
Eligible Borrowers
LLC, LP, corporation, or trustNon-recourse available on loans of $5M and up
Available in
35 statesAL, AK, AR, CO, CT, DE, FL, GA, HI, IL, IN, IA, KS, KY, LA, ME, MD, MA, MS, MO, MT, NE, NH, NM, OH, OK, PA, SC, TN, TX, VA, WA, WV, WI, WY, DC. Very rural areas within these states may be restricted.
Note: These are typical terms. Yours depend on the property, the equity in it, the exit, and how quickly it needs to close. Bridge is for non-owner-occupied property only.
Warehouse vacant or a loan coming due?
Send the address, the current leases, and the date.
Get a Quote
The exit
Refinancing out? We have a program for that.

Once a tenant signs and moves in, you can refinance the bridge with any lender. One option is our Warehouse DSCR loan, with a 30 year fixed available.

0%
Occupancy considered on a vacant building
30 yr
Fixed available on our Warehouse DSCR loan
Warehouse Bridge Questions

Frequently asked

What is a warehouse bridge loan?+
A short-term, interest-only loan on a warehouse, flex, or light industrial building that isn't ready for long-term financing, usually because it's vacant or between tenants. It's replaced by a long-term warehouse loan once the building is leased.
Can I get a loan on a vacant warehouse?+
Yes, through a bridge loan. Long-term loans need rent coming in. A bridge loan looks at the value of the building, the equity, and how quickly it can be leased.
My only tenant is leaving. What should I do?+
Start before the lease ends if you can. A bridge loan can pay off the current loan and carry the building while you find the next tenant, then refinance once the new lease is in place.
Do you finance flex and light industrial buildings?+
Yes. Flex space, light industrial, and small-bay multi-tenant buildings are all common.
Can the seller help with my down payment or closing costs?+
Yes, on qualifying purchases. The seller can carry up to one third of your down payment, and there's no set limit on seller credits. If you plan to use either one, tell us when you send the deal and we'll build the loan around it.
Do I need an appraisal?+
Not always. Many bridge loans use a BPO instead, and some lower leverage loans need no formal valuation at all, just property photos and a video walkthrough. The value still gets checked either way.
Can my own business move into the building?+
Bridge loans here are for non-owner-occupied property. If your business will occupy the building, send the details and we'll tell you what fits.
Where does Capituro offer warehouse bridge loans?+
In 35 states: Alabama, Alaska, Arkansas, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington, West Virginia, Wisconsin, and Wyoming. Very rural areas within these states may be restricted. Send the address and we'll confirm whether your property fits.
Other property types

Other bridge types

All bridge loans
Two-story garden-style apartment building with exterior renovation underway on one wing
Multifamily

Apartment buildings in lease-up, value add, or coming off a maturing loan.

Two-story suburban office building with a glass entrance and surface parking
Office

Medical, professional, and multi-tenant office with a loan coming due or space to fill.

Neighborhood strip center with several storefronts and a few empty suites
Retail

Strip centers and standalone retail between tenants or coming off a maturing loan.

Self storage facility with rows of drive-up units and a climate controlled building
Self storage

Facilities still filling up, or coming off a maturing loan.

Three-story brick mixed use building with storefronts below and apartments above
Mixed use

Buildings with vacant commercial space below or residential still leasing.

Two-story garden-style apartment buildings under a clear sky
Bridge Loans

The Speed Bridge program, every property type and situation.

Get Started

Warehouse between tenants? Let's look at the bridge.

Send the address, the current leases, and when it needs to close. Planning to use seller credits or seller financing? Mention it and we'll build the loan around it.

Step 1 of 5

What are you looking to do?