Industrial Real Estate Loans in DFW
Capital for warehouse, distribution, flex, and manufacturing assets in one of the country's hottest industrial markets.
- Stabilized distribution and warehouse acquisitions
- Owner-occupied industrial (SBA-eligible)
- Ground-up build-to-suit for credit tenants
- Refinance of construction debt at stabilization
Industrial Loans, at a glance
- Loan size
- $1M – $300M
- Amortization
- 25 years
- Term
- 5, 7, 10 years
- LTV
- Up to 75%
- DSCR
- 1.30x–1.40x
- Rate
- Life-co / CMBS / bank spreads to Treasury
- Typical close
- 60–90 days
DFW is the fourth-largest industrial market in the United States, trailing only LA/Inland Empire, Chicago, and New Jersey, and the Dallas-Fort Worth industrial market has absorbed more square footage over the last decade than almost any other U.S. metro. The lender appetite for DFW industrial real estate is correspondingly deep: life insurance companies, CMBS conduits, national banks, debt funds, and agency lenders (for industrial-adjacent like self-storage) all actively write paper in the Metroplex.
We arrange industrial financing across every segment of the DFW market, big-box distribution in Alliance, Wilmer, and south Dallas County; small-bay flex in Irving, Carrollton, and the Mid-Cities; specialty product like cold storage and data centers in specific submarkets. The right capital source varies by tenant credit, lease term, building quality, and business plan. Our job is to match the deal to the lender whose box actually fits.
Why life insurance companies love DFW industrial
Life-co lenders are the cheapest permanent debt source for quality industrial real estate, and DFW is one of their top markets in the country. A trophy industrial asset in Alliance or Wilmer with an investment-grade tenant on a 10-year lease can expect term sheets from multiple life companies within days of a flyer hitting the market.
Life-cos cherry-pick. They do not quote everything, only the cleanest deals with the strongest tenants and the best sponsors. When a life-co quote is available, it is almost always the winning execution on rate. When it is not, CMBS is the next stop.
Small-bay industrial and flex financing
The small-bay end of the industrial market (sub-100K SF, multi-tenant flex) is a different lender universe from big-box. Community banks and regional banks are more competitive here because the file sizes ($3M–$15M) fit their capital deployment needs and the local knowledge matters. Owner-occupied small-bay often routes to SBA 504 for the 10%-down economics.
We regularly place small-bay deals with DFW community banks, Texas regional banks, and SBA Preferred Lenders depending on the borrower's use case. The flex and small-bay segment has been one of the best-performing industrial subtypes in DFW through the cycle, strong occupancy, strong rent growth, and a diversified tenant base that does not depend on any single credit.
Ready to explore Industrial options?
Get a QuoteIndustrial Loans, FAQ
What LTV can I get on DFW industrial real estate?
75% LTV is the typical cap on stabilized industrial, subject to DSCR and debt yield limits. Owner-occupied with SBA 504 can push to 90% combined. Life-co and CMBS execution typically lands at 65%–75%. Bridge debt on value-add industrial can go slightly higher in specific structures.
Do industrial loans require personal recourse?
Life-co and CMBS industrial loans are non-recourse with standard bad-boy carve-outs. Bank industrial loans are generally recourse below $5M and negotiable above that. Sponsor track record and property quality are the main levers.
How does Alliance corridor financing differ from urban industrial?
The Alliance corridor attracts the largest institutional deals in the DFW industrial market, 500K SF and up, credit tenants, long leases, trophy sponsors. Capital is deeper and pricing is tighter because of the institutional demand. Urban infill industrial in Dallas or Fort Worth often has shorter leases, smaller tenants, and needs a lender who understands local market dynamics.
Can I finance cold storage or data center real estate in DFW?
Yes. Cold storage and data centers are specialty industrial sub-sectors with their own lender pools. Cold storage, in particular, has seen a surge of institutional capital because of the e-commerce grocery trend. Data centers route through a specialized lender pool that understands the power, tenant, and technical risk profile.
What about build-to-suit industrial deals?
Build-to-suit deals with a credit tenant executed pre-construction are among the most financeable industrial projects. Construction lenders underwrite the tenant's credit as the primary protection, and the deal typically rolls into a life-co or CMBS permanent loan at completion. We have strong relationships with the specialty construction lenders who write these deals.
Other loan programs
SBA
SBA Loans
Government-guaranteed financing for owner-users buying, building, or expanding commercial property across North Texas.
- Loan size
- $150K → $15M
- Close
- 45–75 days
SBA 504
SBA 504 Loans
The only commercial loan product in the country that gives owner-occupiers a 20- or 25-year fixed rate on 40% of their purchase.
- Loan size
- $500K → $15M
- Close
- 60–90 days
SBA 7(a)
SBA 7(a) Loans
The most flexible small-business loan in the country, real estate, acquisition, equipment, and working capital in a single package.
- Loan size
- $50K → $5M
- Close
- 45–60 days with Preferred Lender
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Tell us about your property and we'll match you to the right capital source across our network of 30+ lenders.