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Purchasing a warehouse in Orlando typically requires 20-30% down through conventional financing. For a $2 million property, that means $400,000-$600,000 upfront. But established businesses can access an alternative that changes the equation: SBA 504 loans requiring just 10% down, keeping hundreds of thousands in working capital available for operations and growth.
The SBA 504 program creates a unique three-party financing arrangement. Your business contributes just 10% down, a bank or credit union provides a 50% first mortgage, and FBDC/SBA covers the remaining 40% with a second mortgage at fixed rates.
This structure makes warehouse ownership accessible while preserving capital. On that $2 million Orlando warehouse, you need just $200,000 down instead of $400,000-$600,000. That's capital you can use for inventory, equipment, marketing, or emergency reserves.
Orlando's central Florida location makes it ideal for statewide distribution. Key warehouse areas include Orlando Central Park near major highways, South Orlando Industrial Corridor with proximity to Orlando International Airport, and Northwest Orlando with connection to Florida's Turnpike.
Orlando businesses across multiple sectors need warehouse space. E-commerce and fulfillment companies serve Florida's growing online shopping demand. Manufacturing operations handle light assembly and production. Food distributors provide temperature-controlled storage for hospitality suppliers. Medical supply companies support Central Florida's healthcare sector. Construction material suppliers meet demands from ongoing regional development.
SBA 504 loans require for-profit business operation, net worth under $20 million, average net profit under $6.5 million after taxes, and plans to occupy at least 51% of the property.
Gather three years of business tax returns, current financial statements, a business debt schedule, and personal financial statements from owners. Having these ready accelerates the process significantly.
Contact FBDC before you start property hunting. Understanding your options and getting pre-qualified positions you to act quickly when the right Orlando warehouse becomes available. FBDC's typical SBA approval target is just 14 days, with closing 2-3 weeks later.
When searching for Orlando warehouses, consider your current and future space requirements, ceiling heights for your operations, loading dock configurations, and proximity to highways and suppliers.
Many warehouse operations require specialized equipment like racking systems, forklifts, refrigeration units, and security systems. SBA 504 loans can include equipment with 10-year terms at fixed rates, all financed together.
Projects incorporating energy improvements may qualify for loans up to $5.5 million. LED lighting systems, solar panel installations, and high-efficiency HVAC systems reduce operating costs while potentially qualifying for higher loan amounts.
Lower down payments mean more working capital for inventory, funds for equipment upgrades, and preserved marketing budgets. Unlike leasing with annual increases, your principal and interest payments remain constant with fixed SBA 504 rates, making long-term budgeting predictable.
Warehouse ownership also provides depreciation deductions, interest expense deductions, and potential cost segregation benefits. You build equity while reducing taxable income.
Orlando's growing infrastructure benefits warehouse operations with expanding highway systems, proximity to Port Canaveral and Port Tampa, Orlando International Airport cargo facilities, and rail connections for heavy goods. When evaluating properties, also consider hurricane preparedness features like wind-resistant construction and proper drainage systems.
Purchasing a warehouse with just 10% down through SBA 504 financing opens opportunities that traditional financing might delay or prevent. For established Orlando businesses ready to control their real estate costs and build equity, the program provides clear advantages.
Orlando's continued growth makes warehouse ownership increasingly attractive. With SBA 504 financing through FBDC, that ownership becomes achievable while preserving the capital you need for operations and growth.
Ready to explore warehouse purchase options in Orlando with just 10% down? Contact Florida Business Development Corporation at (813) 348-0660 or visit fbdc.net. Our experienced team helps Central Florida businesses navigate the SBA 504 process efficiently, from pre-qualification through closing and beyond.
