Southwest · Retail · First lien

    Retail hard money loans in New Mexico (NM).

    First-position retail loans across New Mexico (NM). 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 New Mexico (NM), 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.

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    Stokley Capital Intelligence · Updated September 2026

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    New Mexico market context

    The economy behind the collateral.

    New Mexico's economy centers on federal research and defense laboratories, oil and gas production in the Permian Basin, and a growing film and television production sector. Albuquerque anchors the state's technology and logistics base along the Interstate 25 and Interstate 40 corridors.

    • Federal research and defense
    • Oil and gas
    • Film and media production
    • Logistics and distribution
    • 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 New Mexico.

    • 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 New Mexico? Stokley Capital is also a real estate investment firm. We acquire, own and operate real estate across the United States. Submit it for acquisition.

    New Mexico metros

    Local lending pages.

    We lend across New Mexico, 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

    New Mexico retail loan request.

    Loan request

    1. Contact
    2. Deal
    3. Documents

    Step 1 of 3 · about 20 sec left

    Only your email is required. No application fee, no obligation.

    We'll save your progress and may email you a link to finish. The link expires in 14 days.

    Submit a deal if you only have the basics.

    Submitting a request is not an application for credit and creates no obligation on either side. Any financing is subject to underwriting, diligence and approval.

    Questions

    New Mexico retail loans, answered.

    Does Stokley Capital make retail loans in New Mexico?
    Yes. We make first-position retail hard money and bridge loans throughout New Mexico (NM), including Albuquerque, Santa Fe, Las Cruces and smaller markets.
    How large are your New Mexico 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 New Mexico 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.

    Next step

    Financing retail in New Mexico?

    Send the property, amount and deadline. A principal will respond directly.

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