324. 3 Self Storage Loans We’re Using Today (SBA, Seller Finance, Private Money)
Self Storage Income
AJ Osborne
4.9 • 591 Ratings
🗓️ 25 November 2025
⏱️ 53 minutes
🧾️ Download transcript
Summary
Financing is a necessary hurdle to clear when buying a self storage facility, and in this market, it’s more crucial than ever to explore all your self storage loan options and get creative when structuring deals. The good news is, you likely have even more negotiating power today than in years past!
In this episode, AJ and Conner are pulling back the curtain and sharing multiple financing strategies you can use to fund your next self storage deal. First, they dig into seller financing and share the three-option approach they use to win over hesitant owners. Then, they discuss Small Business Administration (SBA) loans that, when done right, allow you to put as little as 10% down. They also cover several methods of raising private capital, from pitching opportunities to close friends and family to bringing on a hard money lender.
With these financing strategies, you may not even need the bank to get into a proven asset class like self storage. Once your self storage business is stabilized, follow AJ and Conner’s refinancing tips to lock in great terms on a long-term loan!
What you’ll learn in today’s show:
- Several ways to fund your next self storage facility (even without the banks)
- The secret to pitching seller financing as a win-win for both sides
- Three golden “rules” to follow when structuring a seller financing deal
- Putting as little as 10% down on a self storage facility with an SBA loan
- What every investor must know when refinancing into a more “permanent” loan
Links:
🌳 Work with someone experienced in self storage loans at Live Oak Bank! https://www.liveoakbank.com/business-loans/self-storage/
🎙️ Do you have a great story to share on the SSI or AJ Osborne podcasts? You can now apply here! https://form.asana.com/?k=TGU88eU0bFTFW1iHcckuTA&d=1203571084143207
📖 Get AJ's book that teaches you everything he knows about self-storage https://a.co/d/aRSKcSq
📉 Take advantage of today’s market conditions and invest with us: https://cedar.cc/invest
Transcript
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| 0:00.0 | How do you get money? What are the different ways that you can actually get loans or pay for a storage facility? |
| 0:06.6 | Because there's more than simply just going to a bank. I've said this a million times. |
| 0:11.6 | People for some reason do not understand. These are not ATMs. |
| 0:16.4 | Yeah. This is a business. This is a long-term game. So you need to make sure that you're working with private money and partners that are in it to build a business and realizing that there are times where the market not only goes sideways, it tanks. |
| 0:32.6 | With that said, that is the beauty and the great part of partnering with people you're giving other people |
| 0:38.4 | the opportunity to do the same thing you're doing risking your money and you can now get capital |
| 0:43.0 | to do more welcome everybody to self-storage income. Today we are talking about financing. |
| 0:56.0 | Like, how do you get money? |
| 0:57.2 | What are the different ways that you can actually get loans or pay for a storage facility? |
| 1:02.9 | Because there's more than simply just going to a bank. |
| 1:06.3 | So we're going to hit on these and walk through them so you guys know options and what they mean. |
| 1:12.7 | Exactly right, man. So I'm excited to dive into this today with everybody. It's something that we |
| 1:16.7 | get asked about a lot. There's a lot of folks out there that you want to get into storage. |
| 1:21.5 | You want to buy that first facility or even that second, third, fourth. And you're like, |
| 1:25.3 | dude, where do I get the money? How do I structure these things? |
| 1:28.4 | What is all this different random stuff? |
| 1:30.7 | Because you'll also find that you're not the only one with questions. |
| 1:33.9 | When you learn these things, you're going to go out and talk to sellers and the brokers. |
| 1:38.6 | And sometimes you're going to have to educate them on what these things are and what they mean and how they work and show them that these are viable options, you know, creative finance, very viable |
| 1:49.4 | options that put a lot of sellers in a great position and allow you guys to have a great |
| 1:55.0 | position as a buyer, all of that as well. So excited to dive into it, man. The first thing, |
| 2:00.2 | let's dissect seller carry first and foremost, man. The first thing, let's, let's dissect seller |
... |
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