Asset Class
Self-Storage Financing Nationwide | Bridge, SBA, CMBS for Storage Facilities
Bridge, SBA 504, CMBS, and construction financing for self-storage facilities — single assets and portfolios — nationwide.
Bridge
Up to 75% LTV, 12–36 mo
SBA 504
Up to 90% LTV, owner-op
CMBS
Up to 75% LTV, 5–10 yr
Construction
Up to 70% LTC, 18–30 mo
Asset Types
Drive-up, climate, portfolios
Min Size
$2M+
Self-storage has matured into an institutional asset class with deep lender appetite. Rad Capital Group arranges self-storage financing from $4 million to $100 million on single facilities, portfolios, and ground-up developments across all 50 states.
Bridge debt funds acquisitions, lease-up of new construction, and value-add repositioning (rate increases, expansion, conversion). CMBS provides non-recourse permanent financing for stabilized facilities with 85%+ economic occupancy. SBA 504 is the go-to product for owner-operators acquiring or building their own facilities — up to 90% LTV with 25-year amortization. Construction loans cover ground-up climate-controlled and conventional drive-up storage builds.
Lenders evaluate physical occupancy, economic occupancy, rate per square foot vs. market, expense ratio, and trade-area demographics (population density, household income, competitor saturation within a 3-mile radius).
Typical structures: 65–75% LTV on bridge, up to 90% LTV on SBA 504, 70–75% LTV on CMBS, and up to 70% LTC on construction.
Frequently Asked Questions
What's the best loan for an owner-operator buying a self-storage facility?
SBA 504 is typically the best option — up to 90% LTV with 25-year amortization and competitive fixed rates — for owners who will operate the facility themselves.
Can I finance a self-storage development?
Yes — construction loans for self-storage typically reach 70% LTC with 18–30 month interest-only terms, with bridge take-out during lease-up.
Related Financing
Loan Product
Bridge Loans
Short-term commercial bridge financing for acquisitions, value-add repositioning, and time-sensitive recapitalizations — placed with 150+ direct bridge lenders nationwide.
Loan Product
SBA Loans (504 & 7(a))
Government-backed SBA 504 and SBA 7(a) financing for owner-occupied commercial real estate — up to 90% LTV with 20–25 year amortization in all 50 states.
Loan Product
CMBS Loans
Fixed-rate, non-recourse commercial mortgage-backed securities (CMBS) financing for stabilized hotels, retail, office, multifamily, industrial, and self-storage properties.
Loan Product
Construction Loans
Ground-up and heavy-renovation construction loans for commercial real estate developers — interest-only during the build, flexible draw schedules, with take-out permanent or bridge financing teed up at completion.
Ready to explore self-storage financing?
Initial term sheets in as little as 2 weeks. Nationwide.