Mid-Atlantic · Retail · First lien
Retail hard money loans in West Virginia.
First-position retail loans across West 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.
West Virginia market context
The economy behind the collateral.
West Virginia's economy is historically tied to coal, natural gas and chemical production, with a growing presence in healthcare, tourism, and logistics tied to Appalachian highway corridors. Its terrain has concentrated commercial activity in a smaller number of regional centers.
- Energy and natural gas
- Chemical manufacturing
- Healthcare
- Tourism and outdoor recreation
- Higher education
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 West 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 West Virginia? Stokley also buys real estate as a principal. Submit it for acquisition.
West Virginia metros
Local lending pages.
We lend across West Virginia, not only in these metros. Each page covers the local economy and a direct request form.
Request loan terms
West Virginia retail loan request.
Questions
West Virginia retail loans, answered.
- Does Stokley Capital make retail loans in West Virginia?
- Yes. We make first-position retail hard money and bridge loans throughout West Virginia, including Charleston, Huntington, Morgantown and smaller markets.
- How large are your West Virginia retail loans?
- Typically $1M–$5M, first lien. Larger loans are considered.
- What should a West 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 West Virginia
Retail loans nearby
Next step
Financing retail in West Virginia?
Send the property, amount and deadline. A principal will respond directly.