At Clopton Capital, we help investors and owner-occupiers secure industrial property loans for high-demand assets across the UK. From last-mile delivery hubs in London to sprawling distribution centres in the “Golden Triangle,” we match your project with the right capital source—including high-street banks, institutional debt funds, and specialist private lenders.
An industrial property loan is a commercial mortgage specifically designed for properties used for manufacturing, storage, research and development (R&D), or logistics. In the current UK market, industrial assets are the “darling” of the real estate sector due to the explosion of e-commerce and the need for robust supply chain infrastructure.
Lenders evaluate industrial loans differently than office or retail. Primary considerations include:
Clear Heights & Loading: The functional utility of the building (e.g., eaves height and the number of dock levellers).
Tenant Credit Strength: The financial durability of the occupying business.
Lease Terms: The length of the term and the presence of Full Repairing and Insuring (FRI) terms, which are standard for UK industrial properties.
Sustainability (EPC): With tightening UK regulations, the Energy Performance Certificate rating is now a critical factor in securing competitive rates.
We arrange financing through several strategic channels tailored to the British industrial landscape:
Best for: Owner-occupiers or investors with stabilised, income-producing assets.
Terms: Competitive rates priced over SONIA; typically require some form of recourse.
Best for: Large-scale distribution centres and “Class A” logistics hubs.
Terms: Non-recourse options with long-term fixed rates (priced off Gilt-linked swaps).
Best for: “Value-add” projects, such as refurbishing an older warehouse or purchasing a vacant facility for repositioning.
Terms: Short-term (1–3 years), interest-only, focusing on the future value of the asset.
Best for: Developing new industrial units or multi-unit trade parks.
Structure: Structured around Loan-to-Cost (LTC), often integrating Mezzanine or Preferred Equity to reduce sponsor equity.
Loan Size: £750,000 to £50,000,000+
Leverage: Up to 70%–75% LTV for senior debt; up to 85% with subordinate debt.
Terms: 12 months (bridge) to 15+ years (permanent).
Amortisation: 20–25 years or Interest-Only periods available for specific products.
Pricing: Fixed or floating; margin over SONIA or swap curve.
To accelerate your application, please have the following ready:
Property Details: Address, eaves height, site coverage ratio, and age of the building.
Rent Roll & WAULT: Details of current tenants and the Weighted Average Unexpired Lease Term.
Financials: Trailing 12-month (T-12) NOI and sponsor net worth/liquidity.
EPC Rating: A current Energy Performance Certificate (crucial for UK lending).
Business Plan: For transitional assets, a clear strategy for refurbishment or lease-up.
A borrower structured as an SPV purchased a £9.5M logistics facility in the Midlands. Clopton Capital structured a 75% non-recourse loan with 2 years of interest-only payments. This allowed the client to maximise cash flow while protecting their personal assets.
An owner of a warehouse portfolio in the North West sought to refinance a maturing mortgage. We arranged a 5-year fixed-rate commercial loan with a 25-year amortisation and provided £3M in cash-out proceeds, allowing the borrower to fund their next acquisition.
A corporation needed to refinance multiple industrial and trade park properties totalling £16.5M. Clopton structured a single portfolio mortgage on a 10-year fixed-rate, non-recourse basis, simplifying their debt management and reducing overall interest costs.
Access tailored capital solutions for your warehouse or distribution centre.
No. Industrial properties require a commercial mortgage. Residential loans are strictly for dwellings. However, Clopton Capital specialises in transitioning borrowers from residential portfolios to industrial investments.
Most of our programs start around £750,000, though we can assist with smaller needs on a case-by-case basis.
Yes. We arrange financing for industrial assets across all UK markets, from Scotland to the South East.
Strong tenant credit, a long WAULT (5+ years), an EPC rating of B or higher, and a low LTV ratio.
