Bay Area Capital Funding Inc. provides commercial property loans for warehouse and industrial properties both for single tenant and multi-tenant properties.

Properties may be used for manufacturing, research and development, storage, assembly, warehousing and distribution activities. This could be a single building or multiple buildings with single or multiple tenants. These buildings are typically 1 or 2 story concrete tilt-up or masonry construction. This category can include self-storage facilities.

BACF Inc. provides a wide assortment of comprehensive financing programs. Our primary goal is to be your source for the financing of commercial loans. We provide creative solutions for commercial real estate investors across the nation. If you need to refinance an existing property or you need purchase money - we can help structure the terms that most suitably meet your needs.

Both traditional and stated income loans are available.

Warehouse and Industrial Loan Guidelines:

Eligible Properties

Warehouse, light industrial, mixed, storage, packaging, research, manufacturing, and other similarly zoned property types.

Loan Size

Minimum $500,000.00

Pricing

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Location

Mid to large market sectors, small market sectors OK with strong operating histories.

Programs

5-10 year terms.

Amortization

25 and 30 years

Prepayment

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Personal Guarantees

Non-recourse and recourse.

Minimum DSC

1.15 – 1.25

Loan-to-Value

75%

Rate Lock

On approval

Occupancy Requirements

Stabilized properties preferred. Leases should be typical for the local market.

NOI Analysis

3 years of operating statements

Impounds

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Preliminary Submission:

Include the following in your request:

1. Summary with property description and location map

2. Personal Financial statement

3. Representative color photographs

4. Current rent roll and year-to-date operating statement

5. Resume

6. Existing balance sheet

7. Current year operating statement

8. Operating history - prior 3 years, if available

9. Commercial Application