Self-Storage Financing
Self-storage is one of the most resilient asset classes in commercial real estate — but financing it correctly takes a lender who understands occupancy trends, rental income per square foot, and the operating model behind a facility. At Commercial Capital Partners, we structure self-storage loans for acquisitions, refinances, cash-out, expansions, and ground-up construction.
Whether you are buying your first facility, recapitalizing a portfolio, or building from the ground up, we position your deal with the lenders most likely to approve it on the best terms.
Financing Options for Self-Storage
SBA 7(a) Loans finance owner-operated facilities with as little as 10% down, covering acquisition, improvements, and working capital in a single loan.
SBA 504 Loans offer long-term, fixed-rate financing for owner-occupied storage real estate, ideal when predictable monthly costs are a priority.
Conventional Financing is the standard for stabilized, income-producing facilities, underwritten primarily on the property’s net operating income.
Bridge Loans provide short-term capital for value-add, lease-up, and quick-close acquisitions before permanent financing is in place.
Construction Loans fund ground-up development and facility expansion, with a clear path to permanent financing at stabilization.
What We Finance
We finance self-storage across the country, from single facilities to multi-property portfolios. Our relationships span banks, credit unions, SBA-preferred institutions, and private capital, so we can evaluate your deal through multiple credit boxes rather than a single lender’s guidelines.
Types of Self-Storage We Finance
- Climate-controlled storage facilities
- Traditional drive-up storage
- RV, boat, and vehicle storage
- Single- and multi-building facilities
- Mixed-format and flex storage
- Value-add and lease-up properties
What Lenders Focus On
Self-storage is underwritten on physical and economic occupancy, rental rate per square foot, market supply, and management quality — not just the borrower’s credit. A facility one lender passes on can be a strong deal for another with the right guidelines. We tell the income story clearly and place it accordingly.
Owner-Operated vs. Investment Facilities
If you operate the facility yourself, SBA programs can offer lower down payments and longer terms. If you hold it as an investment, conventional and bridge options are underwritten on the property’s performance. We identify the strongest structure before we submit.
Serving Southern California, the Inland Empire & Nationwide
Headquartered in Rancho Cucamonga, we serve business owners and investors across the Inland Empire and Southern California, and we finance self-storage nationwide. Local market knowledge backed by national lender reach.
Recent Self-Storage Financing
Our team regularly structures storage acquisitions, cash-out refinances, and construction loans across a range of markets. When a deal needs creative structure and the right lender match, that is where we add the most value.
Start Your Self-Storage Financing Today
Tell us about your facility and we’ll tell you your options — no obligation. Pre-qualify in about 60 seconds or call our team directly.
