Southeast · Retail · First lien
Retail hard money loans in Alabama.
First-position retail loans across Alabama — typically $1M–$5M, larger considered — for acquisitions, maturities, bridge and value-add plans. Reviewed and decided directly by the principals.
Stokley Intelligence · Updated September 2026
U.S.
Alabama market context
The economy behind the collateral.
Alabama's economy combines advanced manufacturing, aerospace and defense with a growing logistics base tied to its river and rail systems. Auto assembly plants and steel production anchor the industrial corridor from Birmingham to the Gulf, while Huntsville contributes a technology and federal research base built around Redstone Arsenal.
- Automotive manufacturing
- Aerospace and defense
- Steel and metals
- Logistics and rail freight
- Healthcare
- Agriculture
Retail 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
Retail loans we see in Alabama.
- 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 in Alabama? Stokley also buys real estate as a principal. Submit it for acquisition.
Alabama metros
Local lending pages.
We lend across Alabama, not only in these metros. Each page covers the local economy and a direct request form.
Request loan terms
Alabama retail loan request.
Questions
Alabama retail loans, answered.
- Does Stokley Capital make retail loans in Alabama?
- Yes. We make first-position retail hard money and bridge loans throughout Alabama, including Birmingham, Huntsville, Montgomery, Mobile and smaller markets.
- How large are your Alabama retail loans?
- Typically $1M–$5M, first lien. Larger loans are considered.
- What should a Alabama retail loan request include?
- Property address, loan amount and purpose, current income and occupancy, existing debt, the business plan and the deadline. Rent rolls and operating statements help but are not needed for a first read.
- Are you a broker?
- No. Stokley Capital is a private real estate owner-operator that provides business-purpose loans. Decisions are made by the principals.
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. Stokley Capital does not publish rates or leverage; every loan is priced against the specific property and situation.
Next step
Financing retail in Alabama?
Send the property, amount and deadline. A principal will respond directly.