Can SBA 504 be used to purchase or refinance a warehouse my business occupies?

Yes—SBA 504 is available for owner-occupied warehouse properties when the operating company occupies at least 51% of the space.

Warehouse Property Loans

Q: Do you finance ground-up warehouse construction?

No—AVANA does not offer ground-up construction loans for warehouse developments.

Acquire, Refinance, or Reposition Your Warehouse

Bridge financing for warehouses, distribution centers, and fulfillment hubs from ~$10M to $30M — short-term, interest-only capital to acquire, refinance, or reposition ahead of long-term take-out. Get a soft quote in 1–2 business days.

Apply for a Loan →Schedule a Call

Large warehouse interior with tall shelves filled with boxes and pallets under bright lights.

Since 2002 · $6.5B+ Funded · $1B AUM

Bridge Capital for Warehouses in Transition

Warehouses, distribution centers, and fulfillment hubs sit at the heart of modern logistics and e-commerce — large footprints, dock-high loading, and access to major transportation corridors. Value gets created through re-tenanting, repositioning to higher and better use, or upgrades that attract stronger logistics users — and AVANA's bridge financing is built to unlock exactly those transitions.

Business-Plan Underwriting

We underwrite forward value — re-tenanting, repositioning, and the asset's competitive set — not just in-place income

Built for the Transition

Interest-only bridge capital that clears the path to permanent take-out — bank, life-company, or securitized

Straight, Fast Answers

A soft quote in 1–2 business days from a team that actually closes logistics bridge deals

Warehouse Bridge Financing, Explained

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Bridge Loans

Short-term, interest-only capital to acquire, refinance, or reposition warehouse and distribution properties in transition — re-tenanting, functional improvements, or resolving capital-stack complexity — before permanent financing.

Explore Bridge Program →

Key Terms & Structures

Rates and structures vary depending on loan type and borrower qualifications

Loan Sizes

Typically $10MM to $30MM, depending on asset size, market, and business plan.

Terms

Up to 3 years, often with extension options contingent on performance and meeting defined milestones.

Leverage

Up to 75% LTV, with actual leverage set based on in-place income, forward underwriting, and property profile.

Pricing

Generally indexed to SOFR or similar floating benchmarks, with risk-appropriate spreads.

Repayment

Interest-only during the term, with payoff expected from sale or permanent refinance upon execution of the business plan.

What You Can Finance

Warehouse bridge loan proceeds can support

Acquire logistics and distribution properties requiring repositioning or stabilization.

Fund improvements such as dock enhancements, clear-height modifications, lighting and HVAC upgrades, and yard improvements.

Refinance existing loans approaching maturity or resolving special situations.

Support releasing and tenant-improvement packages that reposition the asset within its competitive set.

Institutional Capital Behind Your Deal

Through the AVANA–Oaktree Private Credit Partnership, we bring institutional-grade capital to experienced logistics and industrial sponsors. Pairing AVANA's sector underwriting with Oaktree's private-credit platform lets us price bridge deals sharper and fund faster than a balance-sheet lender working alone — so your repositioning timeline doesn't wait on ours

Hotel entrance with large pillars, palm trees, and evening lighting under blue sky.

A Streamlined Process

We make financing simple, transparent, and fast from application to funding

Submit Application

Submit your application with pre-qualification documents. We’ll review and issue a soft quote within 1-2 business days

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

Featured

38-Unit Multifamily in Newark, NJ

Loan Purpose:

Cash-Out Refinance

Asset Class:

Multi-Family

Loan Amount:

$5,450,000

Featured

The Hotel Majestic in San Fancisco, CA

Loan Purpose:

Cash-Out Refinance

Asset Class:

Hotel

Loan Amount:

$5,500,000

Frequently Asked Questions

Find answers to common questions

Do you offer bridge loans for warehouse acquisitions?

Yes—for non-owner-occupied warehouse properties, bridge financing may be available for acquisitions, repositioning, or short-term refinance needs.

What warehouse property types do you finance?

We finance a broad range, including bulk distribution centers, last-mile delivery hubs, and light industrial flex, depending on tenancy, use, and location.

How much can I borrow, and what are the terms?

Bridge loans typically run $5M to $30M, up to 3 years (with performance-based extension options) and up to 75% LTV. They're interest-only, with payoff from sale or permanent refinance once the business plan is executed.

How fast will I hear back?

A soft quote in 1–2 business days after we review your pre-qualification documents.

Do you finance ground-up warehouse construction?

No — AVANA does not offer ground-up construction for warehouse developments. This program is for acquisition, refinance, and repositioning of existing assets.

Ready to Get Started?

Ready to move your project forward? Complete a short online form to share your property details, capital needs, timing and get a soft quote in 1–2 business days from a lender that's funded $6.5B+ since 2002.

Apply for a Loan →Schedule a Call ↗

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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.

Sanat Patel

Chief Lending Officer