Southwest · Retail · First lien
Retail hard money loans in Arizona (AZ).
First-position retail loans across Arizona (AZ). 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. Reviewed and decided directly by the principals.
Yes. Stokley Capital makes first-position retail hard money and bridge loans across Arizona (AZ), 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 loan is business-purpose and subject to underwriting.
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.
Arizona market context
The economy behind the collateral.
Arizona's economy has diversified from tourism and retirement housing into semiconductor manufacturing, aerospace, and logistics, supported by growth in Phoenix and Tucson's advanced manufacturing corridors.
- Semiconductor manufacturing
- Aerospace and defense
- Logistics and distribution
- Tourism and hospitality
- Healthcare
- Higher education
Retail 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
Retail loans we see in Arizona.
- 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 Arizona? Stokley Capital is also a real estate investment firm. We acquire, own and operate real estate across the United States. Submit it for acquisition.
Arizona metros
Local lending pages.
We lend across Arizona, not only in these metros. Each page covers the local economy and a direct request form.
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.
Request loan terms
Arizona retail loan request.
Questions
Arizona retail loans, answered.
- Does Stokley Capital make retail loans in Arizona?
- Yes. We make first-position retail hard money and bridge loans throughout Arizona (AZ), including Phoenix, Tucson, Mesa, Scottsdale and smaller markets.
- How large are your Arizona retail loans?
- 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 should a Arizona 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 direct private lender. Requests are reviewed and decided in-house.
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 in Arizona
Retail loans nearby
Next step
Financing retail in Arizona?
Send the property, amount and deadline. A principal will respond directly.