Northeast · Retail · First lien
Retail hard money loans in Rhode Island.
First-position retail loans across Rhode Island — 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.
Rhode Island market context
The economy behind the collateral.
Rhode Island's economy centers on Providence's healthcare and higher education institutions, marine and defense industries tied to Naval Station Newport, and a compact coastal tourism sector.
- Healthcare
- Higher education
- Marine and defense
- Tourism
- Financial services
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 Rhode Island.
- 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 Rhode Island? Stokley also buys real estate as a principal. Submit it for acquisition.
Rhode Island metros
Local lending pages.
We lend across Rhode Island, not only in these metros. Each page covers the local economy and a direct request form.
Request loan terms
Rhode Island retail loan request.
Questions
Rhode Island retail loans, answered.
- Does Stokley Capital make retail loans in Rhode Island?
- Yes. We make first-position retail hard money and bridge loans throughout Rhode Island, including Providence, Warwick and smaller markets.
- How large are your Rhode Island retail loans?
- Typically $1M–$5M, first lien. Larger loans are considered.
- What should a Rhode Island 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 Rhode Island
Next step
Financing retail in Rhode Island?
Send the property, amount and deadline. A principal will respond directly.