Low-Cost Commercial
Real Estate Financing for
Business Borrowers & Investors

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Self-storage isn’t one size fits all – your loan structure shouldn’t be treated that way, either. Whether you’re a first-time self-storage buyer, interested in a build-to-suit opportunity, or looking to enhance your existing facility, we’ll provide you with the right type of funding for your next venture.

Our specialists review your application in the context of your unique business position, looking at a variety of factors to secure the lowest possible interest rate. Plus, our transparent, tech-forward methodology allows you to move quickly and confidently through the application process, letting you focus on day-to-day operations and growth rather than financing complexities.

Our Lending Platform

BUSINESS REAL ESTATE LOANS FOR SELF-STORAGE OPERATORS

SBA 504

SBA 504

$1 million - $15 million

  • Low-cost, high leverage
    financing for business real estate
  • Purchase, refinance, rehab, ground-up construction
  • Up to 85% LTV
Conventional

Conventional

$1 million - $10 million

  • Perm financing for stabilized
    business real estate assets
  • Purchase, refinance
  • Up to 75% LTV
SBA 7a

SBA 7a

$250,000 - $5 million

  • High leverage financing
    for eligible business uses
  • Working capital, equipment, debt
    consolidation, business acquisition,
    commercial real estate acquisition
  • Up to 85% LTV

COMMERCIAL REAL ESTATE LOANS FOR SELF-STORAGE INVESTORS

Bridge

Bridge

Purchase, rehab or value-add, refinance, lease-up, interest reserve

Non-Recourse Floater

$5 million - $15 million

  • Interim financing for stabilized
    properties
  • Some in-place cash flow required
  • Up to 20% cash out for
    improvements
  • Up to 80% LTC/LTV

Performance

$2 million - $10 million

  • Opportunistic cash for quick
    close or heavy lift properties
  • No required in-place cash flow
  • Up to 50% of uses for
    CapEx/construction
  • Up to 75% LTC/stabilized LTV

Bridge-to-SBA

$2 million - $10 million

  • Interim financing for quick
    closing prior to SBA approval
  • 504 loan can be through Liberty
    SBF or another lender
  • Up to 75% LTV

SBA-to-SBA Refinance

With rates expected to rise multiple times in 2022 and 2023, thousands of floating rate SBA 7a borrowers will be hit with huge increases to their monthly payments. To mitigate this risk, the SBA changed their guidelines and now allows SBA-to-SBA refinancing.

If you’re an SBA 7a real estate borrower, you may be eligible to refinance your floating rate debt with a low-cost, fixed-rate SBA 504 loan. You can potentially save tens of thousands of dollars on interest payments. Learn more about SBA-to-SBA refinancing.

Why Liberty SBF

  • Nationwide small-balance self-storage real estate lender
  • Deep SBA, conventional, and bridge lending expertise to get your loan closed quickly
  • Competitive pricing to save you money
  • Specializing in loan sizes up to $15,000,000
  • Over $2 billion in funded loans
  • Best-in-class management and technology

How to Apply

Complete your entire application online through our secure portal.

How to Apply

Step1

Register for our secure online portal.

Step2

Fill out and submit an online application (takes less than 30 minutes).

Step3

Get connected with a loan officer and get your quote.