Midwest · Retail · First lien
Retail hard money loans in Michigan.
First-position retail loans across Michigan — 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.
Michigan market context
The economy behind the collateral.
Michigan's economy remains rooted in automotive manufacturing and engineering, supported by advanced manufacturing supply chains, higher education, and Great Lakes shipping. Detroit and its surrounding metros continue to diversify into mobility technology and logistics.
- Automotive manufacturing
- Advanced manufacturing
- Higher education
- Great Lakes shipping
- Healthcare
- Mobility technology
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 Michigan.
- 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 Michigan? Stokley also buys real estate as a principal. Submit it for acquisition.
Michigan metros
Local lending pages.
We lend across Michigan, not only in these metros. Each page covers the local economy and a direct request form.
Request loan terms
Michigan retail loan request.
Questions
Michigan retail loans, answered.
- Does Stokley Capital make retail loans in Michigan?
- Yes. We make first-position retail hard money and bridge loans throughout Michigan, including Detroit, Grand Rapids, Ann Arbor, Lansing and smaller markets.
- How large are your Michigan retail loans?
- Typically $1M–$5M, first lien. Larger loans are considered.
- What should a Michigan 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 Michigan
Next step
Financing retail in Michigan?
Send the property, amount and deadline. A principal will respond directly.