South Central · Retail · First lien
Retail hard money loans in Texas.
First-position retail loans across Texas — 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.
Texas market context
The economy behind the collateral.
Texas has one of the largest and most diverse state economies in the country, spanning energy, technology, healthcare, aerospace, and international trade. Its major metros function as independent economic centers with distinct industry bases, supported by extensive port, rail and highway infrastructure.
- Energy and petrochemicals
- Technology
- Healthcare
- Aerospace and defense
- International trade and logistics
- Financial services
- Agriculture
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 Texas.
- 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 Texas? Stokley also buys real estate as a principal. Submit it for acquisition.
Texas metros
Local lending pages.
We lend across Texas, not only in these metros. Each page covers the local economy and a direct request form.
Request loan terms
Texas retail loan request.
Questions
Texas retail loans, answered.
- Does Stokley Capital make retail loans in Texas?
- Yes. We make first-position retail hard money and bridge loans throughout Texas, including Dallas, Fort Worth, Houston, Austin and smaller markets.
- How large are your Texas retail loans?
- Typically $1M–$5M, first lien. Larger loans are considered.
- What should a Texas 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 Texas
Retail loans nearby
Next step
Financing retail in Texas?
Send the property, amount and deadline. A principal will respond directly.