Can I request a bridge loan for a strip mall or shopping center?

A retail bridge loan can support a strip mall or shopping center acquisition, a maturing-loan refinance or a re-tenanting or value-add plan. Send the property value, owner's equity, current debt and liens, rent roll, lease expirations, improvement budget and planned exit. Every loan is first position and subject to underwriting and state requirements.

How do you review a retail property with vacancies or lease rollover?

We review current rent and collections, lease terms, anchor and co-tenancy provisions, re-leasing costs and the plan to repay the loan. The value and owner's equity matter, and tenant credit may affect rental income. A vacant space or lease rollover does not by itself settle whether a deal fits.

Do you provide retail hard money loans in most US states?

Yes. Stokley Capital provides first-position, business-purpose retail loans in most US states, subject to state requirements.

What size retail loans do you make?

Typical loan size: $500,000 to $5 million. Larger loans up to $10 to $15 million are considered case by case. No loans under $500,000.

What do you look at first on a retail loan?

Rent roll, lease terms and near-term rollover; Anchor and co-tenancy provisions; Tenant sales, occupancy cost and credit.

Do you take second position?

No. Every loan is a first lien on the property.

Retail · First lien · In most US states

Retail hard money & bridge loans.

Neighborhood and community centers, strip retail, single-tenant and pad sites. We have owned and leased retail, so tenancy and rollover are underwritten tenant by tenant.

Yes. Stokley Capital makes first-position, business-purpose retail hard money and bridge loans in most US states, typically $500,000 to $5 million, with larger loans up to $10 to $15 million considered case by case and no loans under $500,000. Every request is reviewed and decided directly by the principals.

Submit a deal Full request form

Stokley Capital Intelligence · Updated September 2026

Retail Real Estate 2026: Vacancy, Rents

A structured view of the developments shaping U.S. shopping centers and neighborhood retail, and the situations those developments may create for owners, lenders and investors.

Read the retail analysis

Underwriting

Sized to as-is value.

Loans are sized to as-is real estate value, in first position, as bridge and hard money. Net operating income and projections do not set the loan amount.

Rent roll, lease terms and near-term rollover
Anchor and co-tenancy provisions
Tenant sales, occupancy cost and credit
Traffic, visibility and trade-area demographics
Re-leasing cost: TI, commissions and downtime

Situations

Where we're most useful.

Anchor vacancy or dark-store situations
Re-tenanting and repositioning plans
Maturities on centers with near-term lease rollover
Acquisitions of centers priced below replacement cost

Selling a retail property? Stokley Capital is also a real estate investment firm. We acquire, own and operate real estate across the United States. Submit it for acquisition.

Plan the loan around the situation

Hard money lending guidelines

Asset-based financing. We focus on the property's value and the owner's equity, not a credit score. Low credit does not rule out a request. Every deal is subject to underwriting.

Term: 6 to 12 months
Payments: Interest only
Loan-to-value: Up to 70%
Lien position: First position only

Third-party closing costs are separate.

Every term sheet is different. Every deal goes through underwriting and has specific terms. These are guidelines, not a commitment to lend.

By state

Retail loans by state.

State pages combine local economic context with how we approach retail loans there.

Southeast

West

Southwest

South Central

Mountain West

Northeast

Mid-Atlantic

Midwest

Request loan terms

Retail loan request.

Questions

Retail loans, answered.

Can I request a bridge loan for a strip mall or shopping center?: A retail bridge loan can support a strip mall or shopping center acquisition, a maturing-loan refinance or a re-tenanting or value-add plan. Send the property value, owner's equity, current debt and liens, rent roll, lease expirations, improvement budget and planned exit. Every loan is first position and subject to underwriting and state requirements.
How do you review a retail property with vacancies or lease rollover?: We review current rent and collections, lease terms, anchor and co-tenancy provisions, re-leasing costs and the plan to repay the loan. The value and owner's equity matter, and tenant credit may affect rental income. A vacant space or lease rollover does not by itself settle whether a deal fits.
Do you provide retail hard money loans in most US states?: Yes. Stokley Capital provides first-position, business-purpose retail loans in most US states, subject to state requirements.
What size retail loans do you make?: Typical loan size: $500,000 to $5 million. Larger loans up to $10 to $15 million are considered case by case. No loans under $500,000.
What do you look at first on a retail loan?: Rent roll, lease terms and near-term rollover; Anchor and co-tenancy provisions; Tenant sales, occupancy cost and credit.
Do you take second position?: No. Every loan is a first lien on the property.

Nothing on this website is an offer to lend or a commitment of capital. All loans are subject to underwriting, due diligence, documentation and approval. Published lending guidelines are for general guidance only. Every deal goes through underwriting and has specific terms.

Other property types

Next step

Have a retail loan request?

Send the property, amount and deadline. A principal will respond directly.

Submit a deal Full request form