Cold Storage Financing — All 50 States

Cold Storage Construction &
Bridge Loans.

Construction and bridge capital for temperature-controlled warehouse, freezer, and food processing facilities — from $3M to $40M, with closings in as little as 30 days.

Loan Amount
$3M – $40M
Max Leverage
75% LTC
Typical Close
30 Days
Structures
Bridge + Construction

What We Finance

Temperature-controlled industrial transactions, from new development to refinance.

/Ground-up cold storage and freezer warehouse development
/Conversion of dry warehouse to temperature-controlled space
/Refrigeration system replacement and capacity expansion
/Automated storage and retrieval system (ASRS) build-out
/Blast freezing and processing facility development
/Acquisition bridge loans on existing cold storage assets
/Food processing and distribution facility financing
/Refinance of stabilized, leased cold storage

What Lenders Look At

Cold storage carries specialized risk that conventional industrial underwriting does not address.

FACTOR 01

Refrigeration Scope

System design, contractor experience, equipment lead times, and whether the budget reflects real mechanical cost.

FACTOR 02

Tenant & Re-Leasing

Tenant credit, lease term, and how specialized the build-out is. Highly bespoke facilities carry more re-leasing risk.

FACTOR 03

Power & Location

Power capacity, proximity to ports, production, and distribution corridors, and local labor availability.

Cold Storage FAQ

Common questions from developers and operators on cold storage financing.

What size cold storage loans does Zion arrange?

Cold storage transactions range from $3M to $40M, covering both ground-up construction and bridge acquisitions. Larger facilities are placed through our institutional capital relationships.

How quickly can a cold storage bridge loan close?

Bridge transactions on existing cold storage assets typically close in about 30 days, which is the fastest timeline across our programs. Ground-up construction takes longer because of budget, permit, and contractor diligence.

Why is cold storage underwritten differently than dry industrial?

Cold storage carries higher construction cost per square foot, significant refrigeration and mechanical systems, greater power demand, and more specialized tenant requirements. That reduces the pool of replacement tenants, so lenders weigh tenant credit, lease term, and re-leasing risk more heavily.

Do you finance conversions of existing dry warehouse space?

Yes. Conversions are a regular use of proceeds. Underwriting focuses on clear height, floor slab condition, power availability, and whether the refrigeration scope and budget are realistic for the existing shell.

Which markets do you lend in for cold storage?

We arrange cold storage financing in all 50 states, with particular activity near port markets, agricultural production regions, and major distribution corridors.

Next Step

Let's look at the facility.

Send the location, square footage, temperature spec, and whether it is new construction or a conversion. We will come back on structure and timing.

Get A Term Sheet
$3–40MLoan Range
30 DaysBridge Close
50States Covered