Other Warehousing and Storage
493190
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SBA Loans for Other Warehousing and Storage: Financing Growth in Logistics and Distribution
Introduction
Other warehousing and storage businesses provide specialized facilities and services that go beyond general merchandise or refrigerated storage. Classified under NAICS 493190 – Other Warehousing and Storage, this sector includes bonded warehouses, household goods storage, bulk petroleum storage, and other niche warehousing solutions. As e-commerce expands and supply chains grow more complex, warehousing companies are in high demand. Yet operators face financial challenges such as high facility costs, equipment investments, labor shortages, and compliance with safety and environmental regulations.
This is where SBA Loans for Warehousing and Storage Companies can provide critical support. Backed by the U.S. Small Business Administration, SBA loans offer long repayment terms, lower down payments, and government-backed guarantees. These loans help operators acquire or upgrade facilities, purchase equipment, cover payroll, and stabilize cash flow while competing in a fast-paced logistics environment.
In this article, we’ll explore NAICS 493190, the financial challenges storage providers face, how SBA loans provide solutions, and answers to frequently asked questions from warehouse business owners.
Industry Overview: NAICS 493190
Other Warehousing and Storage (NAICS 493190) includes businesses that provide:
- Bonded warehouses for imports/exports
- Petroleum bulk storage facilities
- Household and office goods storage
- Specialty material and product storage
- Contract warehousing and third-party storage services
This industry is asset-heavy and compliance-driven, requiring investment in land, buildings, and environmental safety systems.
Common Pain Points in Warehousing Financing
From Reddit’s r/logistics, r/smallbusiness, and Quora discussions, warehouse operators often highlight these challenges:
- High Facility Costs – Purchasing or leasing warehouses requires large upfront capital.
- Equipment Expenses – Forklifts, conveyor systems, and pallet racking systems add to operational overhead.
- Labor Shortages – Recruiting and retaining warehouse workers and logistics managers drives payroll costs up.
- Regulatory Compliance – Fire safety, hazardous materials storage, and environmental rules add ongoing expenses.
- Cash Flow Gaps – Delayed payments from clients or seasonal demand shifts impact liquidity.
How SBA Loans Help Warehousing and Storage Businesses
SBA financing provides affordable, flexible capital that helps warehouse operators expand facilities, adopt new technology, and manage costs effectively.
SBA 7(a) Loan
- Best for: Working capital, payroll, or refinancing debt
- Loan size: Up to $5 million
- Why it helps: Provides liquidity for covering payroll, utilities, and short-term expenses
SBA 504 Loan
- Best for: Facilities, heavy equipment, or property acquisitions
- Loan size: Up to $5.5 million
- Why it helps: Ideal for buying warehouses, upgrading storage systems, or installing automated logistics equipment
SBA Microloans
- Best for: Small or startup warehouse companies
- Loan size: Up to $50,000
- Why it helps: Useful for smaller equipment purchases, insurance, or initial setup costs
SBA Disaster Loans
- Best for: Warehouses impacted by storms, fires, or emergencies
- Loan size: Up to $2 million
- Why it helps: Provides recovery funds for damaged facilities, lost inventory, or business interruption
Step-by-Step Guide to Getting an SBA Loan
- Check Eligibility – Must be a U.S.-based, for-profit warehousing business with good personal credit (typically 650+)
- Prepare Financial Documents – Include tax returns, P&L statements, facility leases, and equipment quotes
- Find an SBA-Approved Lender – Some lenders specialize in logistics and industrial financing
- Submit Application – Provide a business plan highlighting storage services, customer contracts, and growth strategy
- Underwriting & Approval – SBA guarantees reduce lender risk. Approval generally takes 30–90 days
FAQ: SBA Loans for Warehousing and Storage Companies
Why do banks often deny loans to warehouse businesses?
Banks may view warehouses as risky due to high facility costs, equipment investments, and reliance on client contracts. SBA guarantees reduce this risk and improve approval chances.
Can SBA loans finance warehouses, forklifts, and automation systems?
Yes. SBA 7(a) and 504 loans can fund building purchases, forklifts, conveyor belts, and automated storage solutions.
What down payment is required?
SBA loans typically require 10–20% down, compared to 25–30% for conventional commercial real estate or industrial loans.
Are startup warehouses eligible?
Yes. Entrepreneurs with logistics experience and customer contracts may qualify for SBA microloans or 7(a) financing.
What repayment terms are available?
- Working capital: Up to 7 years
- Equipment/facilities: Up to 10 years
- Real estate: Up to 25 years
Can SBA loans support compliance and safety upgrades?
Absolutely. Many warehouse operators use SBA financing to fund fire suppression systems, OSHA compliance, and environmental safety improvements.
Final Thoughts
The Other Warehousing and Storage industry plays a crucial role in logistics and supply chains but faces financial hurdles tied to facilities, staffing, and compliance. SBA Loans for Warehousing Businesses provide affordable, flexible financing to stabilize operations, expand capacity, and improve competitiveness.
Whether you operate a bonded warehouse, petroleum bulk storage facility, or specialty goods storage business, SBA financing can provide the resources you need. Connect with an SBA-approved lender today and explore your funding options under NAICS 493190.
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#Preferred Lenders Program
#SBA Express Program
#Existing or more than 2 years old
#Startup
#Loan Funds will Open Business
#Change of Ownership
#New Business or 2 years or less
#7a General
#Variable Rates
#Fixed Rates
#Asset Base Working Capital Line (CAPLine)
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#Export Express
#7a with WCP
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#Seasonal Line of Credit (CAPLine)
#Builders Line of Credit (CAPLine)