Capituro
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For manufacturers

Manufacturing Building Loans.

Refinance the plant your business runs from onto a 25 year amortization, with up to 90% combined financing and cash out available for the business.

Get a QuoteSee typical terms
Program Snapshot
$1M
Minimum loan
$10M
Maximum loan
90%
Maximum combined financing
25 yr
Amortization
Plants, production buildings, and shops
Rate and term refinance and cash out
For established manufacturers
Program Overview

Your plant has equity. Your business can use it.

Most manufacturers don't own their building as an investment. They own it because the floor loads, the power, the crane rails, and the layout were built around how they make things. Years later, that building can hold a lot of equity while the business keeps buying machines and carrying inventory.

Refinancing onto a 25 year amortization can lower the monthly payment and free up equity for the business. Financing goes up to 90% combined, using a first loan and a second loan, with the rate on the second loan fixed long term.

These loans are for buildings your business occupies, and we also review purchases of a building your business will occupy. If you lease an industrial building to other tenants, see our Warehouse DSCR or Interest-Only Commercial programs.

What you get
Manufacturing building loanTypical bank loan
Maximum financing
Up to 90% combined
Usually 65% to 75%
Long-term fixed rate
Second loan fixed long term
Usually fixed for about 5 years
Loan size
$1M to $10M
Capped by the bank's limits
Typical terms

What you can typically borrow

These are typical ranges, not a quote. Your terms depend on the building, your business's financials, and how much equity you have.

Loan amount
$1,000,000 to $10,000,000
Loan purpose
Rate and term refinance and cash outPurchases also reviewed
Maximum financing
Up to 90% combinedA first loan and a second loan
Business history
At least 2 years in operationOn a refinance
Rate
BlendedThe second loan is fixed long term
Amortization
25 yearsFully amortizing
Property types
Plants, production buildings, and shopsExisting buildings
Occupancy
Your business occupies the buildingAt least 51% of an existing building
Income used
Your business's financialsThe business pays the rent that carries the loan
Business size
Small and mid-size manufacturersSize limits apply
Credit
680 and up
Guaranty
Personal guarantyFrom owners of 20% or more
Borrower
Your business or a company you ownFormed to hold the building
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 building and your business's financials. These loans are subject to SBA eligibility rules and approval.
Does your business own its plant?
Send the address and a few numbers on your business, and we'll come back with terms.
Get a Quote
Where it fits

Manufacturers we like

Metal fabricators and machine shops

Shops with heavy equipment and high power loads.

Food and beverage producers

Production buildings with processing and cold storage space.

Plastics and packaging

Plants that run production lines and hold finished goods on site.

Woodworking and cabinetry

Shops with production floors and finishing space.

Electronics and precision assembly

Clean, organized production space with an office up front.

Family-owned manufacturers

Plants held for years, with real equity built up.

Who this is for

Built for manufacturers who own their building

Get a Quote
1

You want a lower monthly payment

A longer amortization leaves more cash in the business for materials and payroll.

2

You have equity in the plant

Take cash out for the expenses of running the business.

3

Your business carries other debt

Eligible business debt can sometimes be paid off in the same loan.

4

Your business is established

These loans are built around manufacturers with at least 2 years of operating history.

Manufacturing Building Questions

Frequently asked

How can a manufacturer refinance the plant it owns?+
Send the numbers on the building and the business, along with your current loan. If your business occupies the building and has been operating for at least 2 years, a refinance can go up to 90% combined financing on a 25 year amortization.
How much can a manufacturer borrow on its building?+
Up to 90% combined, on loans from $1 million to $10 million.
Can I take cash out of my plant?+
Yes, as long as the cash goes to eligible expenses of running the business, like payroll, inventory, or business debt. It can't go to personal expenses.
What does my existing loan need to look like?+
The loan being refinanced has to be at least 6 months old and mainly used for the building or major equipment, and the new payment on that debt has to be lower than what you pay today. Send the numbers on your current loan and we'll tell you where it stands.
Can debt on my equipment be part of this?+
Sometimes. Debt that was mainly used for major equipment can qualify in a refinance, and other equipment loans secured by the building can sometimes be included. Send what you have and we'll go through it.
My plant was built around one process. Is that a problem?+
It can change the structure. A building that's hard to use for anything else may be treated as single-purpose, which can call for more equity. Send the details and we'll tell you where it stands.
Will there be an environmental review?+
Expect one. Manufacturing history gets a close look, so it helps to have any past reports ready.
Can I rent part of the building to another business?+
Yes. Your business has to occupy at least 51% of an existing building, and you can lease the rest to other tenants. If other tenants lease most of the building, our Warehouse DSCR program may fit better.
Do manufacturers qualify for anything different?+
Yes. Manufacturers can qualify for a larger second loan than most other businesses, which can help on bigger projects.
Is this an SBA loan?+
Yes. It uses the SBA 504 structure: a first loan for about 50% of the value, an SBA-backed second for about 40%, and at least 10% equity from you.
Does my business qualify?+
Most small and mid-size manufacturers do. The business has to be for-profit and within the program's size limits, and its owners have to be U.S. citizens or U.S. nationals. Owners of 20% or more sign a personal guaranty.
What are the rates?+
The rate is a blend of the first loan and the second loan, and the second loan is fixed long term. Send the numbers for terms on your building.
Can I use this to buy a plant?+
Yes, we also review purchases of a building your business will occupy. Plan on as little as 10% down, or 15% to 20% for a business under two years old or a single-purpose building.
What if I have more equity and don't need 90%?+
Send the numbers anyway. We have other programs for owners with more equity, and we'll tell you what fits.
What credit score do I need?+
680 and up.
Where does Capituro offer these 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, plus Washington, DC. Very rural areas within these states may be restricted. Send the address and we'll confirm whether your building fits.
Get Started

Does your business own its plant? Let's look at the loan.

Send the address and a few numbers on your business. We'll come back with terms.

Step 1 of 5

What are you looking to do?

Other programs

Owner-user

Owner-User Commercial Loans

For any business that occupies its own building.

Commercial

Warehouse DSCR

For industrial buildings leased to other tenants.

Commercial

Interest-Only Commercial Loans

Interest only for up to the full term on stabilized commercial property.