Retail · First lien · Nationwide
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.
Stokley 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.
Underwriting
What we look at first.
- 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 also buys real estate as a principal. Submit it for acquisition.
Hard money lending guidelines
- Annual rate
- From 11.5%
- Origination
- From 2% of the loan amount
- 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.
Southwest
Northeast
Request loan terms
Retail loan request.
Questions
Retail loans, answered.
- Do you provide retail hard money loans nationwide?
- Yes. Stokley Capital provides first-position, business-purpose retail loans nationwide, subject to state requirements.
- What size retail loans do you make?
- Typically $1M–$5M. Larger loans are considered.
- 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.
Next step
Have a retail loan request?
Send the property, amount and deadline. A principal will respond directly.