Retail Property Financing
Retail real estate continues to evolve with changing consumer habits. We provide financing for well-positioned retail properties with strong tenant mixes and stable cash flow.
Industry Challenges
E-commerce impact on traditional retail
Anchor tenant rollover risk
CAM reconciliation complexity
Re-tenanting and repositioning costs
Location and traffic pattern importance
Our Solutions
Focus on service and necessity retail
Flexible underwriting for diverse tenant mixes
Bridge financing for re-tenanting periods
TI reserves for tenant turnover
Experience with retail repositioning
Retail Property Financing
Retail real estate offers attractive investment opportunities, particularly in necessity-based and service-oriented properties that complement rather than compete with online shopping. We finance well-positioned retail assets across all formats.
Retail Types We Finance
Strip Centers
- Neighborhood and community centers
- Grocery or necessity anchored
- Small shop inline space
Single-Tenant Retail
- NNN leased properties
- Credit tenant buildings
- Ground leases
Standalone Retail
- Freestanding buildings
- Restaurant outparcels
- Auto service and specialty
Mixed Retail
- Retail with office above
- Retail with apartments
- Live-work spaces
Tenant Mix Priorities
We favor retail with strong fundamentals:
Necessity Retail
- Grocery and supermarkets
- Pharmacies and medical
- Dollar stores
Service Retail
- Restaurants and food service
- Fitness and wellness
- Personal services (salon, spa)
Experiential
- Entertainment venues
- Health and fitness
- Food halls and breweries
Investment Strategies
Stabilized Centers Cash-flowing properties with strong occupancy:
- Permanent financing options
- NOI-based underwriting
- Competitive terms for quality
Value-Add Retail Properties with lease-up or repositioning opportunity:
- Bridge loans for turnaround
- TI reserves for new tenants
- Flexible terms during transition
NNN Investments Single-tenant properties with long-term leases:
- Focus on tenant credit quality
- Longer-term financing available
- Minimal landlord responsibilities
Loan Parameters
- Loan Size: $500K - $25M+
- LTV: Up to 75% stabilized
- DSCR: 1.25+ for permanent
- Tenant Quality: Critical factor
Grocery-Anchored Center Acquisition
An investor acquired a grocery-anchored strip center with stable anchor tenant but vacancy in small shop space. Our bridge loan provided acquisition capital with reserves for tenant improvements. Small shop occupancy increased from 70% to 95% within one year.
Available Programs
Retail Bridge Loans
Acquisition and repositioning financing for retail properties
Strip Center Loans
Financing for neighborhood and community retail centers
Single-Tenant NNN
Loans for net-leased retail properties
Retail Refinancing
Refinance existing debt or access equity
Other Industries
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Our team specializes in retail financing. Let us help you find the right solution for your business.