Marin Industrial Commercial Lending | Industrial Loans
Contemporary industrial building with Mount Tamalpais and the bay behind it
Marin County · Industrial Property Finance

A thorough property analysis and a detailed financing offer unlike anything you’ve seen before.

We arrange refinance and purchase financing for Marin industrial property: warehouse, flex, light manufacturing and industrial condos. Get a free, lender-ready analysis of what your building will finance into, before any lender sees it.

Get Your Free Financing Analysis → Meet Scott & David
No cost, no obligationAnswered by a principalMarin only. Industrial only.

At a glance

1987
SinceScott’s first year in finance, at Charles Schwab & Co.
5.0 out of 5 stars
Google rating40 reviews of America’s Home Loans, Scott’s brokerage
2003
Arranging financingReal estate loans in Marin and the North Bay
1
CountyMarin, and industrial property only
Start here

Four questions. Start with yours.

Each path goes one step deeper on your situation, and every one ends at the same free financing analysis.

From David’s desk

Get a detailed analysis first, so you can make a fully informed decision.

Short videos from David MacDonald’s SilverFox Solutions channel, including an overview of the CRE financial analysis David builds for every deal.

SilverFox CRE Financial Analysis OverviewSilverFox Solutions · YouTube
SilverFox SolutionsSilverFox Solutions · YouTube
Remodel 3D RenderingSilverFox Solutions · YouTube
The problem

The loan you signed in 2020 isn’t the loan you’ll get in 2027.

The 10-year Treasury averaged 0.89% in 2020. On September 29, 2026, it closed at 5.26%. $652 billion of commercial mortgages are scheduled to mature in 2027, and many are attached to buildings worth more than ever that will still come up short.

01 · Refinance

Your value is up. Your loan amount is down.

Lenders now size refinances on cash flow. If your leases were signed years ago, debt-service coverage, not appraisal, sets the ceiling on your new loan.

02 · Timing

The calendar is not on your side.

Under SBA rules, a loan that matures and goes unpaid for more than 29 days can’t be refinanced with a 504 or 7(a). Start 12 months out, not 12 weeks.

03 · Rates

Waiting for rates is a bet, not a plan.

The Fed’s median projection holds its policy rate at 4.1% through the end of 2027. No forecast we track returns to the rates these loans were written at.

04 · Buying

Paying Marin rent? Own the building instead.

Marin industrial space asks about $1.66 a foot a month. Owner-users can buy with as little as 10% down through SBA 504, at a fixed rate with no balloon.

$358K

The shortfall at maturity on an illustrative 12,000 sf Novato flex building, worth $3.1 million, with a $1.8 million balloon. Every half-point of rate moves it by $60,000 to $70,000. Most owners learn this from their lender, late.

Sources: FRED (DGS10); Mortgage Bankers Association, Feb 2026; Federal Reserve Summary of Economic Projections, Sept 16, 2026; SBA SOP 50 10 8; Cushman & Wakefield North Bay Industrial MarketBeat, Q2 2026. The $358K figure is an illustrative analysis, not a quote.

Who you’ll work with

Two principals. One focus: your building.

You won’t be handed to a processor or a call center. One of us takes your call, runs your numbers and walks your loan to the closing table.

Scott Lawson

Capital & client strategy

Scott spent fifteen years in the investment business, starting at Charles Schwab in 1987 and later managing portfolios for high-net-worth clients, before moving into real estate finance in 2003.

A Marin native, he reads a loan the way an investor reads a bond: rate, term, risk and exit. Then he shops it until the structure fits your building.

  • Investment career from 1987: Schwab, Bay Isle Financial, Lawson Partners
  • Golden Gate University, finance with an emphasis in investments
  • CA DRE #01895185 · NMLS #312312

David MacDonald

Underwriting & analysis

David builds the underwriting before a lender ever sees your deal. His SilverFox DealLens reports model income, expenses, NOI, debt-service coverage, cap rate and a ten-year pro forma.

The result is a lender-ready package that answers the questions underwriters ask, so your loan request starts with the numbers instead of chasing them.

  • Commercial mortgage advisor; leads SilverFox Solutions
  • Industrial, flex, mixed-use and multifamily analysis
  • NMLS #2389000

An investor’s read on the capital markets, and an underwriter’s read on your building.

Why owners call us first

Know the answer before you ask the question.

i.

The gap before the rate

We size your loan the way lenders will: coverage, leverage and debt yield. You see the shortfall, or the cash-out, before anyone else does.

ii.

Lender-ready from day one

Your request goes out with a full DealLens analysis: rent roll, expenses, NOI and a ten-year pro forma. Underwriters get answers, not follow-up questions.

iii.

Every channel, one conversation

Banks, credit unions, SBA 504 and 7(a) lenders, life companies, CMBS and private bridge capital. We find the structure; you make one call.

iv.

Marin only. Industrial only.

Bel Marin Keys to the Marinship. We know the districts, the zoning and the flood questions lenders will ask about your address.

Find out what your building will finance into. It costs nothing to know.

Get Your Free Financing Analysis →
In clients’ words

Persistence is the service.

From public reviews of Scott and America’s Home Loans. Commercial client stories will join them as clients approve them.

“Scott Lawson is an incredible mortgage broker.”
Ashley R.Yelp review · August 2025
“Worked relentlessly… never gave up.”
Brandon D.Yelp review · May 2024
“Scott is a seasoned, effective loan officer.”
Google reviewAmerica’s Home Loans · 5.0 average
The difference

A renewal letter, or a prepared refinance.

Your bank’s renewal
With us
Lenders who see your loan
One
Banks, credit unions, SBA lenders, life companies, private capital
When you see the terms
On the bank’s timetable
On yours, 12 to 18 months ahead
The math behind the offer
Internal, unseen
Coverage, leverage and debt yield, shown to you first
Structures on the table
What that bank offers
SBA 504, bank, life company, CMBS, bridge-to-permanent
Who you talk to
Whoever holds the file
Scott or David, directly
Cost to find out
—
Free
What your free analysis shows

Three limits. One of them sets your loan.

Every lender caps a new loan three ways: debt-service coverage, loan-to-value and debt yield. The lowest one wins. Try it with your own numbers.

The example loaded here is a 12,000 sf multi-tenant flex building in Novato. Its 2020 loan of $2.25 million at 3.75% leaves a $1.8 million balloon in June 2027. Older leases hold its income near $158,000 a year.

Illustrative only. Assumes 1.25x coverage, 65% loan-to-value and a 9% debt yield. Not a quote or a commitment to lend; actual terms depend on lender underwriting.

Refinance Gap Estimator

Change any number. Results update instantly.
Maximum new loan
$1,457,000
Set by debt-service coverage
Shortfall at maturity
$358,000
+0.50% rate adds about $63,000
Coverage
$1,457,000
Loan-to-value
$2,015,000
Debt yield
$1,756,000
The Deal Desk

Need the whole picture, not just the gap?

The Deal Desk underwrites a Marin industrial building step by step: the property, price and tax, income, expenses, financing and your own investment criteria. It answers with a pass/fail scorecard and the numbers behind it, built on Marin’s FY 2026-27 tax bills and October 2026 lender rates.

Open The Deal Desk
  • Scorecard
  • Pro forma
  • Value & returns
  • Stress test
  • Submarkets
  • Tax & closing
  • Owner-user
  • Lease compare
  • Broker kit
Where we work

From Bel Marin Keys to the Marinship.

Marin is one of the tightest industrial markets in the Bay Area. That keeps values strong, and it makes the right financing the difference between holding a building and selling it.

Novato

North Marin
  • Bel Marin Keys
  • Hamilton
  • Commercial Blvd
  • Rush Creek & Digital Dr

San Rafael

Central Marin
  • Francisco Blvd East
  • Andersen Drive
  • Woodland Avenue
  • Northgate & Mitchell Blvd

Sausalito

Southern Marin
  • The Marinship
  • Working waterfront
  • Maritime industrial

Southern Marin

Mill Valley to Larkspur
  • Mill Valley
  • Corte Madera
  • Larkspur & Greenbrae
3.1%
Marin industrial vacancy, against 8.4% across the North Bay
$1.66
Average asking rent per square foot per month, triple net
0
New industrial projects in Marin’s construction pipeline

Source: Cushman & Wakefield, North Bay Industrial MarketBeat, Q2 2026.

Your free financing analysis

Your maturity date won’t move. Your options will.

Tell us about your building. Scott or David will reply personally with what it should finance into, and what to do next.

  • i.The coverage, leverage and debt-yield math on your property
  • ii.Your shortfall or cash-out at today’s rates
  • iii.The programs that fit, from SBA 504 to bridge-to-permanent
  • iv.A start-by date, so the calendar works for you

Get Your Free Financing Analysis

Two minutes. No cost, no obligation. Required.
I want to

Refinance and purchase financing for industrial property in Marin County, California.

1000 Fourth Street, Suite 300
San Rafael, CA 94901

(415) 529-5056

Licensing

Scott Lawson, CA DRE Salesperson #01895185, NMLS #312312.
Responsible broker: America’s Home Loans, Inc., CA DRE #01524386, NMLS #231434.

David MacDonald, NMLS #2389000, licensed by the California DFPI through Pure Lending Solutions dba Searchlight Lending, NMLS #906159.

Marin Industrial Commercial Lending arranges commercial real estate loans; it is not a direct lender. Loans are subject to lender underwriting and approval. Rates, terms and analyses shown are illustrative, dated where stated, and are not commitments to lend. Business-purpose loans only.

Market data: Cushman & Wakefield, North Bay Industrial MarketBeat, Q2 2026. Rates and maturities: FRED; Mortgage Bankers Association; Federal Reserve, Sept 16, 2026.

© 2026 Marin Industrial Commercial LendingWebsite by Sites by Scott Marin