Borrower Type
Specialized hard money financing solutions for industrial warehouse owners in Miami, FL.
Industrial and warehouse property ownership in Miami has emerged as one of the most dynamic segments of the commercial real estate market. Strategically positioned as the gateway to Latin America and the Caribbean, Miami serves as a critical logistics hub supporting international trade, e-commerce distribution, and manufacturing operations. From last-mile delivery facilities near population centers to bulk distribution warehouses near Miami International Airport and PortMiami, industrial properties offer compelling investment opportunities. However, financing these specialized assets presents unique challenges that often require hard money solutions. The specialized nature of industrial facilities, tenant credit considerations, and the rapid evolution of logistics requirements create financing needs that traditional lenders struggle to address effectively.
The Miami industrial market continues to demonstrate exceptional fundamentals driven by e-commerce growth, supply chain reconfiguration, and the region's expanding role in international commerce. Whether you're acquiring existing warehouse facilities, developing new industrial product to meet surging demand, repositioning obsolete properties for modern logistics use, or expanding your industrial portfolio, access to responsive capital is essential for capitalizing on market opportunities. Our hard money lending programs understand the industrial sector's nuances, including building specifications for different logistics uses, tenant operational requirements, and the value drivers that distinguish premium industrial properties from commodity warehouse space. We work with industrial property owners across all sub-markets and property types, providing financing solutions that align with the operational realities of industrial real estate and the investment strategies of owners in this sector.
Industrial property owners leverage hard money financing across diverse strategic applications in Miami's competitive logistics market. Property acquisition financing supports purchases of stabilized industrial assets, value-add opportunities requiring renovation or re-tenanting, and distressed properties with operational challenges that conventional lenders avoid. The industrial acquisition market often involves time-sensitive opportunities including distressed sales, 1031 exchange transactions with tight identification periods, and off-market deals requiring quick close capabilities. Our expedited funding process enables industrial investors to pursue these opportunities aggressively, knowing we can deliver certainty of close within the compressed timeframes that sellers frequently require.
Value-add renovation and repositioning projects frequently utilize hard money financing to transform obsolete industrial facilities for modern logistics requirements. Many industrial properties in Miami were built decades ago with clear heights, column spacing, and loading configurations that don't meet contemporary e-commerce and distribution needs. Our renovation loans provide capital for roof raises, floor reinforcement, loading dock additions, and interior reconfigurations that dramatically improve property functionality and rental rates. These capital investments can convert low-clearance warehouse space into high-demand logistics facilities commanding premium rents from national distribution tenants.
Development and construction financing supports ground-up industrial projects and major expansions of existing facilities. Miami's severe industrial space shortage has created exceptional development opportunities for well-located sites with appropriate zoning. Our construction loans fund site preparation, building construction, and tenant improvement work, with structures that accommodate the unique aspects of industrial development including specialized infrastructure, environmental considerations, and the extended timelines sometimes required for pre-leasing large-format industrial space.
Bridge and interim financing assists industrial owners navigating tenant transitions, lease expirations, or capital needs between permanent financing arrangements. Perhaps you have a major tenant departing and need time to re-market the space, or you're executing a sale-leaseback transaction and need bridge capital during the transition. Our bridge loans provide short-term financing during these periods, with flexible structures that accommodate the timing uncertainties inherent in industrial leasing and the capital requirements for attracting replacement tenants.
Industrial property owners encounter financing challenges stemming from specialized property knowledge requirements, tenant credit complexity, and the capital-intensive nature of facility improvements. Traditional lenders often lack expertise in industrial property evaluation, struggle with single-tenant exposure when major tenants have limited credit history, and may not appreciate the value creation potential of industrial renovations. Additionally, the rapid evolution of logistics requirements means many existing facilities need significant capital investment to remain competitive, funding that conventional sources may not provide. When opportunities arise requiring immediate action, traditional financing timelines create competitive disadvantages.
Our industrial lending approach combines commercial real estate expertise with specific knowledge of logistics property requirements and operational characteristics. We evaluate industrial opportunities based on location fundamentals (highway access, port/airport proximity, labor availability), building specifications, and market demand for different industrial product types rather than applying generic commercial underwriting criteria. Our loan structures accommodate industrial-specific needs including tenant improvement allowances for specialized build-outs, extended interest reserves for large-space lease-up, and flexible prepayment provisions that align with typical industrial tenant lease terms. We understand the cyclical nature of industrial leasing and can structure financing that provides payment flexibility during vacancy periods.
Miami's industrial market spans strategic sub-markets including the Airport West area surrounding Miami International Airport, the Doral/Medley corridor providing excellent highway access, Hialeah's established industrial base, and emerging logistics hubs in Northwest Miami-Dade. Our financing programs support industrial investments across all Miami-Dade County sub-markets, understanding the unique access, labor, and infrastructure characteristics that distinguish each location.
We finance all industrial property types including warehouses, distribution centers, manufacturing facilities, flex/R&D buildings, cold storage facilities, and industrial outdoor storage yards. Properties can range from small bay warehouses to large bulk distribution centers. We work with both multi-tenant industrial parks and single-tenant facilities, providing financing appropriate to each property type and tenancy structure.
For single-tenant properties, we evaluate tenant credit quality, lease structure, and the property's re-leasing potential should the tenant depart. For specialized facilities, we assess the broader market demand for that property type and the cost to convert to alternative uses if needed. Our underwriting emphasizes location fundamentals and building specifications that drive industrial property value, with flexibility for properties serving specific industries or tenant requirements.
Yes, renovation financing for industrial properties is a core component of our lending programs. We regularly fund roof replacements, HVAC upgrades, floor improvements, loading dock additions, and other capital improvements that enhance property functionality and value. Construction holdbacks are established for renovation work, with funds disbursed as improvements are completed and verified. These value-add investments can significantly improve rental rates and tenant demand for older industrial facilities.
Loan terms vary based on property characteristics and your investment strategy. For stabilized industrial properties, we offer terms from 1-5 years. For value-add projects requiring renovation or re-tenanting, terms typically range from 12-24 months to accommodate the transformation timeline. For ground-up development, construction loan terms align with the projected construction and lease-up schedule, typically 18-36 months. All loans can be extended or refinanced into permanent financing as appropriate.
Yes, we regularly work with owner-operators acquiring or refinancing industrial facilities for their business operations. While we evaluate the real estate fundamentals, we also consider the business cash flow and operational requirements when structuring loans for owner-occupied industrial properties. Our financing can accommodate the specific needs of operating businesses including facility expansion, equipment integration, and operational cash flow cycles.