COMMERCIAL / RETAIL
Retail Property Financing
Retail property financing depends on tenants, occupancy, lease quality, location, cash flow, leverage, and the plan for the asset.
PART OF / Commercial Real Estate LoansUnderstand the parent funding structure
THE CONTEXT CHANGES THE CONVERSATION
The Lease Roll Is Part of the Loan Story.
Commercial real estate financing is evaluated around property operations, tenants, leases, value and the borrower's strength. Owner-occupied and investment transactions follow different paths.
01
Tenant credit, lease expirations and renewal options affect durable income.
02
Fit-out costs and downtime between tenants can require substantial reserves.
PREPARE FOR THIS CONVERSATION
Bring the specifics.
- Tenant leases and rent roll
- Tenant improvement and leasing-cost budget
Keep an eye on
- Tenant rollover can change income during the loan.
- Environmental review, appraisal and a balloon maturity can affect the transaction.
T / CAPITAL, CONSIDERED
Work through the assumptions.
04 / CAPITAL, CONSIDERED
Keep these on the shortlist.
SBA Commercial Real Estate LoansSBA commercial real estate financing can be relevant for eligible owner-occupied business property transactions, subject to program and lender requirements.Bridge LoansBridge financing can buy time for acquisition, stabilization, rehab, lease-up, refinance, or another defined transition.Investment Property LoansInvestment property financing is not one product. Rental, DSCR, bridge, hard money, fix-and-flip, and commercial structures each solve a different part of the investor playbook.
THE BIGGER PICTURECapital is one part
Capital is one part
of the plan.
BUSINESS CONTEXT
Retail
Q / CAPITAL, CONSIDERED
A question worth asking.
What makes a retail lease rollover material?
A departing tenant can remove rent while creating fit-out, commission and downtime costs. Model those together.
YOUR NEXT MOVE
A specific need deserves a specific plan.
Start with your profile. Understand the tradeoffs. Prepare a clear request.