Asset-Based Underwriting. No Personal Tax Returns. Competitive Terms. Close in 21–30 Days.

Industrial real estate is quietly one of the strongest performing commercial asset classes in the country — driven by e-commerce growth, supply chain reshoring, and chronic undersupply in major metros. Warehouses, distribution centers, flex space, and manufacturing facilities are generating some of the most consistent NOI in commercial real estate right now. Onyx Capital Lending finances these assets directly — no middlemen, no bank bureaucracy, no 90-day wait.

What Is an Industrial Real Estate Loan?

An industrial real estate loan is commercial financing secured by income-producing industrial properties — including warehouses, distribution centers, manufacturing facilities, flex space, cold storage, and self-storage. These properties are evaluated based on their net operating income (NOI), tenant quality, lease terms, and location — not the borrower's personal tax returns.

Industrial Property Types We Finance

✅ Warehouses — bulk storage, single-tenant, multi-tenant

✅ Distribution Centers — logistics, last-mile delivery, e-commerce fulfillment

✅ Manufacturing Facilities — light, medium, and heavy manufacturing

✅ Flex Space — combination office/warehouse, R&D facilities

✅ Cold Storage / Food Processing — temperature-controlled distribution

✅ Truck Terminals — cross-dock facilities, freight terminals

✅ Business Parks — multi-tenant industrial campuses

✅ Owner-User — business owners purchasing their own facility

Onyx Capital Lending Industrial Loan Highlights

FeatureDetails Loan Amounts: $500K – $20M+ Loan Types: DSCR, Bridge, Hard Money LTV: Up to 70–75% Loan Terms: 5, 10, 25-year options Interest-Only: Available Minimum DSCR: 1.20 No Tax Returns: ✅ DSCR-based qualifying No W-2 or Pay Stubs: ✅ Never required Occupancy: Investor or owner-user LLCs & Entities: ✅ Accepted Foreign Nationals: ✅ Welcome Available In: 48 States Close In: 21–30 days

Why Industrial Real Estate Is One of the Smartest Investments Right Now

E-Commerce Demand — Online retail requires 3x more warehouse space than traditional brick-and-mortar retail. Demand for last-mile distribution facilities is at an all-time high.

Supply Chain Reshoring — Companies are moving manufacturing back to the US, creating surging demand for domestic industrial space.

Low Vacancy Rates — Industrial vacancy rates in most major metros are at historic lows, putting upward pressure on rents.

Long-Term Leases — Industrial tenants typically sign 5–10 year leases, providing stable, predictable cash flow with minimal management burden.

Triple Net (NNN) Leases — Many industrial properties operate on NNN leases where the tenant pays taxes, insurance, and maintenance — your NOI stays clean.

How We Underwrite Industrial Deals

For Stabilized Properties (DSCR Loan)
We analyze the current rent roll, lease terms, tenant credit quality, and NOI. If the property cash flows at 1.20 DSCR or better, you qualify — no personal income documentation required.

For Value-Add Properties (Bridge Loan)
We analyze current income plus the upside scenario — market rents, occupancy potential, and lease-up timeline. We also evaluate renovation plans and projected stabilized NOI to assess the loan’s viability.