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Specialty Property Financing

Specialty Property Loans

Financing for gas stations, car washes, self-storage, RV parks and mobile home communities. SBA, conventional, agency and bridge options from $500,000 to $50 million.

Loan amount$50MUp to, from $500K
Financing90%Up to, of cost through SBA
Amortization30 yrsUp to
Non-recourseYesOn select agency and CMBS loans
Eligible properties

Lenders who know special-use real estate

Specialty properties are valued on the business they run. We place them with lenders that finance these asset types every day.

Gas stations and C-stores

Fuel stations with convenience stores.

Car washes

Express, full-service and self-serve car washes.

Self-storage

Acquisition, construction and conversion of storage facilities.

RV parks

RV parks and campgrounds.

Mobile home communities

Manufactured housing communities, including park-owned homes.

Automotive and service

Quick lube, tire and collision centers, funeral homes and service contractor facilities.

Program terms

Specialty property loan terms

The best terms available across our lending partners. Final terms depend on the property type, its operating history and the program.

Gas stations and car washes
$500,000 – $15,000,000
Self-storage
$500,000 – $25,000,000
RV parks and mobile home communities
$500,000 – $50,000,000 (RV parks up to $15M)
SBA
Up to 90% of project cost for owner-operators
Conventional and CMBS
65% to 85% LTV; non-recourse available on CMBS and life company loans
Agency (mobile home communities)
75% to 80% LTV; non-recourse
Bridge and construction
70% to 80% of cost; 12 to 36 months interest-only; from $1,000,000
Amortization
25 to 30 years on permanent loans
Debt service coverage
1.25x minimum (1.15x on SBA loans)
Markets
Texas and nationwide
How it works

From operating history to closing

Send the property

Share the operating statements, the purchase price or payoff, and your plans.

Match the program

We compare SBA, conventional, agency and bridge options for the asset type.

Close

Close the loan, then refinance to permanent financing if you start with a bridge or construction loan.

What you'll need

Documents checklist

  • Trailing 12-month and prior 2 years of operating statements
  • Business tax returns for owner-operated properties
  • Purchase contract or current loan payoff
  • Rent roll or occupancy report (storage, RV and mobile home communities)
  • Fuel volume and inside sales (gas stations)
  • Environmental report, if available
  • Personal financial statement for each guarantor
Example

Buying a car wash with SBA

Owner-operators can finance most of the purchase through SBA.

Financing = Project cost − Down payment
Car wash purchase price$3,000,000 SBA financing (90%)$2,700,000 Your down payment$300,000

Illustration only. Special-purpose properties may require more equity depending on the program and your experience.

Common questions

Specialty property FAQ

Do you finance new construction?

Yes. Construction loans are available for self-storage, car washes, gas stations and RV parks, typically at 70% to 80% of cost.

Can I convert a building to self-storage?

Yes. Conversion projects can be financed with bridge or construction loans.

Are non-recourse loans available?

Yes. Agency loans on mobile home communities and CMBS or life company loans on stabilized properties can be non-recourse.

What about environmental issues at gas stations?

Lenders require an environmental review. Share any existing reports early.

Is SBA available?

Yes, for owner-operated businesses such as gas stations, car washes and self-storage.

Financing a specialty property?

Send us the operating history. We'll match it to lenders who know the asset.

Get Started

Terms shown are the best available across Capital Lending Group's lending partners as of October 2026 and change without notice. Not every borrower or property qualifies for every term. Loan amounts, leverage, terms and eligibility vary by lender, property, market, experience, credit profile and state. Business-purpose financing only. All loans are subject to lender review and approval. Capital Lending Group, LLC is a loan broker, not the lender. SBA and agency programs are subject to program approval; Capital Lending Group is not affiliated with the SBA.