Mountain West · Retail · First lien
Retail hard money loans in Idaho (ID).
First-position retail loans across Idaho (ID). 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 Idaho (ID), 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.
Idaho market context
The economy behind the collateral.
Idaho's economy has diversified from agriculture and forestry into technology, food processing, and manufacturing, with population and business inflows supporting demand for commercial and industrial space across the Treasure Valley and northern panhandle.
- Technology and semiconductors
- Agriculture and food processing
- Manufacturing
- Forestry
- Outdoor recreation and tourism
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 Idaho.
- 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 Idaho? Stokley Capital is also a real estate investment firm. We acquire, own and operate real estate across the United States. Submit it for acquisition.
Idaho metros
Local lending pages.
We lend across Idaho, 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
Idaho retail loan request.
Questions
Idaho retail loans, answered.
- Does Stokley Capital make retail loans in Idaho?
- Yes. We make first-position retail hard money and bridge loans throughout Idaho (ID), including Boise, Idaho Falls, Coeur d Alene and smaller markets.
- How large are your Idaho 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 Idaho 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 Idaho
Retail loans nearby
Next step
Financing retail in Idaho?
Send the property, amount and deadline. A principal will respond directly.