What does a retail-property lender review?
Expect analysis of rent roll, leases, tenant rollover, occupancy, expenses, property condition, location, borrower experience, credit, liquidity, leverage, and debt-service coverage.
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How do I finance a retail building, storefront, or shopping center?
Retail financing depends on tenant quality, leases, occupancy, location, property condition, cash flow, sponsor strength, and whether the building is investment property or occupied by the borrower’s business.
Answers before an application
The questions investors ask before they move forward.
Can I finance a vacant retail property?
Potentially. Bridge or private financing may fit a vacant or transitional property when there is sufficient equity and a credible lease-up, repositioning, sale, or refinance plan.
Can SBA finance my business’s retail building?
Potentially, when an eligible operating business meets the required owner-occupancy and SBA rules. A purely passive investment property generally does not qualify for SBA financing.
Can I cash out a stabilized retail property?
Potentially. Proceeds depend on value, current debt, rent and expenses, tenant concentration, lease terms, borrower, and lender limits.
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