Southeast · Retail · First lien
Retail hard money loans in Kentucky.
First-position retail loans across Kentucky — 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.
Kentucky market context
The economy behind the collateral.
Kentucky's central location has made it a national air cargo and logistics hub, led by Louisville's UPS Worldport, while horse-racing tourism, bourbon production, and automotive manufacturing round out the state's economic base.
- Air cargo and logistics
- Automotive manufacturing
- Bourbon and food production
- Healthcare
- Equine and tourism
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 Kentucky.
- 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 Kentucky? Stokley also buys real estate as a principal. Submit it for acquisition.
Kentucky metros
Local lending pages.
We lend across Kentucky, not only in these metros. Each page covers the local economy and a direct request form.
Request loan terms
Kentucky retail loan request.
Questions
Kentucky retail loans, answered.
- Does Stokley Capital make retail loans in Kentucky?
- Yes. We make first-position retail hard money and bridge loans throughout Kentucky, including Louisville, Lexington, Bowling Green and smaller markets.
- How large are your Kentucky retail loans?
- Typically $1M–$5M, first lien. Larger loans are considered.
- What should a Kentucky 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.
Other property types in Kentucky
Next step
Financing retail in Kentucky?
Send the property, amount and deadline. A principal will respond directly.