Leased infrastructure property
A commercial mortgage may be considered when the borrower owns financeable real estate with a documented utility lease and sufficient remaining term.
Property financing guide
Utility station property financing
Evaluate a specialized infrastructure asset through its contracts, operating rights, and essential equipment.
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Understanding the property
Utility stations support services such as electrical distribution, water pumping, or other essential infrastructure. The financing may concern land leased to a utility, an owner-operated facility, or equipment and improvements. A utility tenant does not automatically make every component conventional mortgage collateral.
Financing paths to consider
Infrastructure or project finance
Specialized financing may be needed when repayment depends on contracted operating revenue, regulated services, or a distinct project entity.
Equipment and upgrades
Separate equipment or improvement financing may suit transformers, pumps, controls, or related systems, subject to ownership, liens, and lender eligibility.
What lenders review
- The ownership boundary between land, fixtures, equipment, and assets owned by a utility or public authority.
- Lease or service-contract duration, counterparty strength, assignment rights, easements, and access.
- Permits, regulatory approvals, environmental condition, maintenance obligations, and equipment replacement costs.
Documents to prepare
- Deed or ground lease, easements, and site survey
- Utility leases, service agreements, or contracted revenue schedules
- Operating statements, equipment inventory, and maintenance records
- Permits, environmental reports, insurance, and proposed upgrade budget
Your lender may request additional documents based on the transaction.
Plan your next step
Identify what the borrower actually owns and can pledge. That is the starting point for evaluating a utility station financing request.
Start My ApplicationFinancing is subject to lender availability, underwriting, eligibility, and approval. This guide is educational, not a loan offer or a commitment to lend.