Southeast · Retail · First lien

    Retail hard money loans in South Carolina (SC).

    First-position retail loans across South Carolina (SC). 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 South Carolina (SC), 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

    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.

    Read the retail analysis

    South Carolina market context

    The economy behind the collateral.

    South Carolina's economy is anchored by advanced manufacturing tied to automotive and aerospace plants, deepwater port operations at Charleston, and a growing coastal tourism sector.

    • Advanced manufacturing
    • Port and logistics
    • Tourism
    • Automotive and aerospace supply chain
    • 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 South Carolina.

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

    South Carolina metros

    Local lending pages.

    We lend across South Carolina, 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.

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    South Carolina retail loan request.

    Loan request

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    2. Deal
    3. Documents

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    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

    South Carolina retail loans, answered.

    Does Stokley Capital make retail loans in South Carolina?
    Yes. We make first-position retail hard money and bridge loans throughout South Carolina (SC), including Charleston, Columbia, Greenville, Spartanburg and smaller markets.
    How large are your South Carolina 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 South Carolina 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 South Carolina?

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

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