Southeast · Tennessee · Retail · First lien
Retail hard money loans in Memphis, TN.
First-position retail loans in Memphis, Tennessee (TN) — 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.
Memphis market context
The Memphis economy behind the collateral.
Memphis is a global logistics hub built around FedEx's air cargo operations, freight rail, and river shipping on the Mississippi.
Financing requests here often involve industrial and distribution facilities near the airport and rail interchange, plus repositioning of older commercial assets.
Economic anchors
- FedEx World Hub and Memphis International Airport
- Port of Memphis
- St. Jude Children's Research Hospital
- International Paper headquarters
- Class I rail interchange
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 Memphis.
- 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 Tennessee? Stokley also buys real estate as a principal. Submit it for acquisition.
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.
- 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
Memphis, TN retail loan request.
Questions
Memphis, TN retail loans, answered.
- Does Stokley Capital make retail loans in Memphis, TN?
- Yes. We make first-position retail hard money and bridge loans in Memphis, Tennessee (TN), typically $1M–$5M, with larger loans considered.
- What drives the Memphis market?
- Memphis is a global logistics hub built around FedEx's air cargo operations, freight rail, and river shipping on the Mississippi.
- What should a Memphis 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.
Next step
Financing retail in Memphis?
Send the property, amount and deadline. A principal will respond directly.