Mid-Atlantic · Retail · First lien
Retail hard money loans in Virginia.
First-position retail loans across Virginia — 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.
Virginia market context
The economy behind the collateral.
Virginia's economy is shaped by federal government activity and defense spending in Northern Virginia and Hampton Roads, a major port and naval complex, and growing data center and technology investment. The state also maintains a broad base in agriculture and higher education.
- Federal government and defense
- Data centers and technology
- Port and maritime logistics
- Higher education
- Financial and professional 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 Virginia.
- 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 Virginia? Stokley also buys real estate as a principal. Submit it for acquisition.
Virginia metros
Local lending pages.
We lend across Virginia, not only in these metros. Each page covers the local economy and a direct request form.
Request loan terms
Virginia retail loan request.
Questions
Virginia retail loans, answered.
- Does Stokley Capital make retail loans in Virginia?
- Yes. We make first-position retail hard money and bridge loans throughout Virginia, including Virginia Beach, Richmond, Norfolk, Arlington and smaller markets.
- How large are your Virginia retail loans?
- Typically $1M–$5M, first lien. Larger loans are considered.
- What should a Virginia 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 Virginia
Retail loans nearby
Next step
Financing retail in Virginia?
Send the property, amount and deadline. A principal will respond directly.