Self-Storage Property Loans
Self-storage assets combine operational simplicity with durable, needs-based demand. AVANA Companies provides self-storage property loans for acquisitions, expansions, refinances, and repositionings, leveraging SBA 504, bridge, and conventional structures. Our financing helps owners and investors scale portfolios and modernize facilities, while giving private-credit investors exposure to a resilient, cash-flowing asset class.
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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 Self-Storage
Loan Options for Self Storage
SBA 504 Loans
Explore SBA 504 Program →
Conventional Term Loans
Explore Conventional Program →
Bridge Loans
Explore Bridge Program →
Key Terms & Structures
Rates and structures vary depending on loan type and borrower qualifications
Loan Sizes
Generally $1MM to $30MM, depending on facility scale, market, and program.
Terms
Bridge loans up to 3 years, potentially with extensions subject to performance.
SBA 504 and conventional loans with amortizations up to 25 years.
Leverage
Up to 75% LTV on many self-storage financings.
Up to 90% total project costs for qualifying SBA 504 structures.
Pricing
Typically indexed to CMT benchmarks with program-specific spreadsTypically indexed to SOFR, CMT, or Treasury benchmarks, plus loan-specific spreads.
Acquire stabilized or lease-up facilities
Fund expansions (additional buildings, floors, or units) on existing sites
Refinance existing debt, including potential cash-out for qualifying purposes
Convert older facilities to modern, climate-controlled configurations
Upgrade operations through security systems, access control, software, and amenity improvements
For Investors: Why Retail Loans Matters
- Exposure to a needs-based asset class with many small tenants and relatively low ongoing capital requirements.
- Potentially resilient cash flows through varying economic cycles, when paired with disciplined underwriting.
- Collateral consisting of specialized real estate with multiple repositioning paths (rate management, unit mix, amenity upgrades, technology).
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
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.