Industrial and Warehouse Finance
Industrial and Warehouse Finance UK
Industrial and warehouse property has been one of the strongest performing commercial asset classes in recent years, driven by e-commerce growth, supply chain reconfiguration, and constrained new supply in many UK locations. Lender appetite for well-let industrial and logistics assets is strong, making this one of the more accessible areas of commercial mortgage lending. Platinum Global Bridging Finance arranges industrial and warehouse finance from £150,000 to £150m+ across the UK. No broker fee on facilities of £500,000 or above.
What Is Industrial and Warehouse Finance?
Industrial and warehouse finance is commercial mortgage lending secured against industrial, logistics, and storage property — from small trade counter units on a local estate, through to large distribution centres and multi-let industrial parks. The sector includes light industrial units, trade counters, warehouses, logistics and distribution hubs, storage facilities, and manufacturing premises.
Industrial property is a favoured asset class among many commercial lenders because of its relative simplicity — straightforward shell-and-core construction, clear tenant use, and predictable maintenance requirements — combined with strong occupier demand from a diverse range of sectors.
Types of Industrial and Warehouse Property We Finance
- Single-let industrial units — owner-occupied or investment
- Multi-let industrial estates and business parks
- Trade counter units and builder’s merchants
- Warehouses and distribution centres
- Logistics and last-mile delivery hubs
- Cold storage and temperature-controlled facilities
- Manufacturing and production premises
- Self-storage facilities (specialist lenders)
Owner-Occupied Industrial Finance
Many industrial and manufacturing businesses purchase their own operational premises. The loan is assessed on the business’s trading performance — turnover, adjusted net profit, and debt service capacity — following the same principles as any owner-occupied commercial mortgage. Manufacturing businesses, trade contractors, logistics operators, and distribution companies are all well-served by this market.
Industrial Investment Finance
Industrial investment mortgages are assessed on the rental income and DSCR, as with other commercial investment mortgages. Lenders view industrial investment favourably because of strong and diverse occupier demand, relatively low management requirements compared to retail or office, and the liquidity of the asset class in most UK markets.
For multi-let industrial estates, lenders assess the aggregate rent roll, apply a vacancy allowance, and examine the lease expiry profile. Single-let industrial assets with a strong covenant on a long FRI lease attract the most competitive terms.
Lending Criteria for Industrial and Warehouse Finance
| Parameter | Typical Range |
|---|---|
| Loan size | £150,000 to £150m+ |
| LTV | Up to 70% to 75% |
| Term | 3 to 25 years |
| Rate (2026) | 5.5% to 8.0% pa |
| DSCR (investment) | 125% to 145% of interest payment |
| Repayment basis | Interest-only or capital and interest |
Industrial Bridging Loans
For auction purchases, vacant units requiring refurbishment, or cases where speed is required, a industrial bridging loan provides short-term funding. We regularly structure bridge-to-mortgage transactions for industrial investors — the bridge completes the purchase quickly, refurbishment or letting is completed, and the commercial mortgage refinances the bridge on stabilisation.
For new build or significant extension of industrial property, development finance is the appropriate product, with staged drawdowns against a build programme. We arrange both the development facility and the long-term investment mortgage at exit.
Logistics and Large-Scale Warehouse Finance
Large logistics assets — distribution centres of 50,000 sq ft and above — attract a specialist lender pool, often including debt funds, insurance companies, and institutional lenders alongside mainstream commercial banks. These transactions are typically structured as investment facilities against long-leased assets let to national logistics operators, retailers, or third-party logistics companies. We have direct lender relationships for large lot-size industrial and logistics transactions across the UK.
Frequently Asked Questions
What LTV is available for industrial investment property?
Most specialist lenders offer 65% to 75% LTV for well-let industrial investment assets. Single-let properties with strong institutional tenants on long leases achieve the highest LTVs. Multi-let estates with shorter leases or mixed covenant quality typically attract 65% LTV.
Can I get a warehouse mortgage for a self-storage facility?
Self-storage is a specialist sector assessed differently from conventional warehousing. It is treated as an operational business rather than a straightforward investment property. We work with specialist lenders who understand and actively lend on self-storage assets.
Can I finance a vacant industrial unit?
Vacant units are better suited to a bridging loan than a commercial mortgage until the unit is let. We can arrange the bridge for the acquisition and, once a tenant is in place, refinance onto a long-term industrial mortgage.
Does Platinum Global charge a broker fee?
No broker fee on facilities of £500,000 or above.
Our Commercial Property Finance Solutions
About Us
Platinum Global Bridging Finance is a distinguished high-net-worth finance broker. We specialize in providing tailored financial solutions, including Property Bridging Finance, Development Finance, Single Stock Loans, Margin Stock Loan, Crypto Finance, Crypto Backed Loans and Commercial Property Finance tailored to meet the diverse needs of our clientele seeking robust financial lending solutions.
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