Manufacturing Facility Loans
Small and mid-sized manufacturers need capital that can keep pace with shifting demand, new technology, and evolving supply chains. AVANA Companies provides manufacturing facility loans for plants, factories, and production campuses—helping business owners acquire, expand, modernize, or refinance their industrial real estate. Our SBA 504–driven structures align long-term facility needs with stable, market-indexed financing, while giving private-credit investors access to secured exposure in the real economy.
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SBA 504 Loans
Built for Growth
Fixed-Rate, High LTV (Up to 90%), Long-Term CRE Loans for Owner-Occupied Properties
Backed by $5B+ in SBA lending expertise. Fast, transparent closings tailored for small businesses and brokers.
Financing Solutions for Plants and Factories
Loan Options for Manufacturing Facilities
SBA 504 Manufacturing Loan Program
- Acquiring an existing plant, factory, or production campus.
- Expanding or modernizing an owned facility.
- Refinancing qualifying existing debt tied to industrial real estate.
Explore SBA 504 Program →
Key Terms & Structures
Rates and structures vary depending on loan type and borrower qualifications
Loan Sizes
Up to approximately $18MM, covering a full range of commercial SBA 504 projects for manufacturing facilities.
Terms
SBA 504 debenture: up to 25 years, providing long-term, fixed-rate financing.
AVANA’s first-lien portion: typically up to 10 years, structured to complement the SBA piece and align with projected cash flow.
Leverage
Finance up to 90% LTV (or total project costs) for qualifying owner-occupied manufacturing properties that meet SBA standards and occupancy thresholds.
Pricing
Pricing is tied to CMT or Treasury benchmarks, with program-specific spreads that reflect risk, sponsorship, and project characteristics.
Underwriting Focus
Strong historical operating performance.
Demonstrated ability to service debt from ongoing operations.
Project costs and uses that fit within SBA 504 guidelines and manufacturing eligibility requirements.
Acquire an owner-occupied plant, factory, or production campus.
Refinance existing debt on a manufacturing property, including qualifying cash-out where permitted under SBA 504 rules.
Fund property improvements and build-outs, such as production line reconfiguration, facility expansions, energy-efficiency upgrades, and other eligible renovations tied to the real estate.
For Investors: Why Manufacturing Facility Loans Matter
- Collateral-backed exposure to mission-critical industrial real estate that businesses rely on for production, jobs, and revenue.
- Borrowers with significant “skin in the game”, as they occupy and operate from the same properties that secure the loan.
- Long-term financing structures with amortizing profiles aimed at preserving principal and supporting stable income.
Submit Application
Submit your application with pre-qualification documents. We’ll review and issue a soft quote within 1 business day
Review
We review initial documents and confirm loan structure and key terms. If the deal meets criteria, we issue a Letter of Intent with proposed terms
Approval & Terms
We complete underwriting and order third-party reports as needed. Credit team issues final approval when complete (timing can vary)
Closing & Funding
We prepare final loan documents, open escrow, and coordinate closing. Funds are released once closing requirements are met
Proven Success Stories
We’ve helped businesses across industries
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Frequently asked questions
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Insights
Our Team
About Sanat Patel
As Chief Lending Officer at AVANA Companies and Chair of the Board at AVANA Bank, Sanat Patel brings more than three decades of experience in financial services, private credit and commercial banking, with a proven track record in loan structuring, risk management, and balance sheet growth. Sanat has led strategic initiatives that connect institutional capital with entrepreneurial ambition, supporting the growth of businesses, and owners engaged in commercial real estate across the U.S. He has built and scaled lending platforms in partnership with banks and credit unions, developing tailored financial solutions that drive job creation and foster inclusive economic development.
Our Team
About Christyna Lane
As a lending participation expert in Southern California, Christyna Lane manages the direct loan placements for AVANA CUSO, a Member of the AVANA Family of Companies, with lenders like credit unions, community banks and other financial institutions while establishing and maintaining relationships for the organization. Joining the CUSO team in 2014, she works in connection with lenders nationwide to assist them in reaching their commercial lending goals and diversifying their portfolio.