Mountain West · Retail · First lien
Retail hard money loans in Montana.
First-position retail loans across Montana — 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
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.
Montana market context
The economy behind the collateral.
Montana's economy is built on agriculture, natural resource extraction, and a growing tourism sector centered on outdoor recreation near Yellowstone and Glacier National Parks. Healthcare and small-scale manufacturing round out regional economic centers.
- Agriculture
- Natural resources and mining
- Tourism and outdoor recreation
- Healthcare
- Timber and wood products
- Rail transportation
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 Montana.
- 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 Montana? Stokley also buys real estate as a principal. Submit it for acquisition.
Montana metros
Local lending pages.
We lend across Montana, not only in these metros. Each page covers the local economy and a direct request form.
Hard money lending guidelines
- Annual rate
- From 11.5%
- Origination
- From 2% of the loan amount
- 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
Montana retail loan request.
Questions
Montana retail loans, answered.
- Does Stokley Capital make retail loans in Montana?
- Yes. We make first-position retail hard money and bridge loans throughout Montana, including Billings, Missoula, Bozeman and smaller markets.
- How large are your Montana retail loans?
- Typically $1M–$5M, first lien. Larger loans are considered.
- What should a Montana 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. Published lending guidelines are for general guidance only. Every deal goes through underwriting and has specific terms.
Other property types in Montana
Retail loans nearby
Next step
Financing retail in Montana?
Send the property, amount and deadline. A principal will respond directly.