Retail

Retail & Shopping Center Financing

Retail property financing spans single-tenant net lease assets to large multi-tenant shopping centers. Creditworthy tenancy and long-term lease structures drive the most competitive terms, with strong net lease assets qualifying for life insurance company and CMBS financing. Community and neighborhood centers with grocery anchors remain attractive to bank and agency lenders.

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Overview

Retail & Shopping Center Financing

While retail has evolved significantly with the growth of e-commerce, well-located, well-tenanted retail properties continue to generate strong returns and attract financing. Net lease properties with investment-grade tenants command premium financing terms, while value-add retail opportunities may leverage bridge capital for repositioning. CLS CRE structures financing for the full spectrum of retail assets, from single-tenant pharmacies to regional shopping centers.

Retail Subtypes

Single-Tenant Net Lease (NNN)
Multi-Tenant Shopping Centers
Grocery-Anchored Centers
Power Centers & Outlet Malls
Strip Retail & Inline Shops
Restaurant & Food Service
Auto Service & Car Wash
Entertainment & Experiential Retail

Financing Options

Life Insurance Company Loans
CMBS
Bank Permanent Loans
Bridge Loans
Construction (Build-to-Suit)
SBA 504 (Owner-Occupied)

Track Record

Retail Transactions

A selection of retail deals we have closed nationwide.

Construction

$43,900,000

Single Tenant Net Lease

Fairfield, CA

Build-to-suit construction for a national credit tenant in Fairfield, combining development returns with investment-grade lease security.

Construction

$43,400,000

Single Tenant Net Lease

Inglewood, CA

Major build-to-suit construction near SoFi Stadium in Inglewood, one of LA's most dynamic development corridors.

Permanent

$32,000,000

Retail Shopping Center

Sacramento, CA

Stabilized retail center anchored by national tenants in Northern California's growing capital region.

Single Tenant Net Lease - Kansas City, MO

Permanent

$23,600,000

Single Tenant Net Lease

Kansas City, MO

Net lease portfolio financing with investment-grade credit tenancy and long-term lease remaining in the Kansas City market.

Multi-property pharmacy portfolio with national credit tenants and triple-net lease structures across Ohio locations.

Single Tenant Net Lease - Colorado Springs, CO

Permanent

$15,400,000

Single Tenant Net Lease

Colorado Springs, CO

Credit-tenant net lease financing in Colorado Springs, leveraging strong lease terms and market fundamentals.

Retail Financing by City

Hilton Head Island, SC

Financing Programs

Retail properties qualify for a variety of commercial loan programs. Explore your options.

Mezzanine & Preferred Equity

HUD/FHA Multifamily Loans

CMT + 190 bps to 7.50%

Construction SOFR plus 250 to 400, Permanent locked at close

Acquisition Bridge Loans

7.50% - 12.00%

Value-Add Bridge Loans

7.75% - 12.50%

1031 Exchange Bridge Loans

7.50% - 11.50%

Multifamily Bridge Loans

7.00% - 11.50%

Industrial Bridge Loans

Mixed-Use Bridge Loans

7.50% - 12.50%

Multifamily Construction Loans

6.50% - 11.00%

Build-to-Rent Loans

6.75% - 11.00%

Construction-to-Perm Loans

6.50% - 10.00%

Land Loans

8.00% - 14.00%

Self-Storage Financing

5.50% - 9.00%

Hotel & Motel Financing

6.00% - 12.00%

Student Housing Loans

5.75% - 9.50%

Senior Housing Financing

5.75% - 10.00%

Medical Office Financing

5.25% - 8.50%

Sale-Leaseback Financing

5.25% - 7.50%

Office Conversion Loans

8.00% - 13.00%

Preferred Equity

10% - 16% Preferred Return

Industrial Construction Loans

6.50% - 11.00%

C-PACE Financing

6.50% - 8.50% Fixed

Owner-Occupied Commercial Loans

5.50% - 8.50%

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FAQ

Retail Financing FAQ

Absolutely. While the retail sector has evolved, well-located properties with strong tenancy continue to attract competitive financing. Grocery-anchored centers, net lease properties with credit tenants, and experiential retail all remain highly financeable asset classes.

Single-tenant net lease retail with investment-grade tenants is highly attractive to life insurance companies and CMBS lenders, offering the most competitive long-term fixed rates. Banks also compete aggressively for net lease deals with strong tenancy.

Retail property loan rates range from 5.34% to 8.25% for permanent financing, with credit-tenant net lease assets at the lower end. Multi-tenant shopping centers may see rates at the higher end depending on tenancy strength and market location.

Restaurants can be financed through SBA 504/7(a) programs if owner-occupied, or through conventional commercial loans if the property is leased to a restaurant operator. Stand-alone restaurant properties are considered higher risk and may require specialized lenders.

Lenders evaluate tenant credit quality, lease terms and rollover schedule, in-place rent vs. market rent, anchor tenant presence, location and traffic counts, competitive landscape, and the property's physical condition and deferred maintenance.

Finance Your Retail Property

Contact Commercial Lending Solutions for a free, no-obligation quote on retail financing. We respond within 24 hours.

Apply for Financing →

Call: 310.708.0690 Text: 310.758.3064

Retail & Shopping Center Financing

Retail & Shopping Center Financing

Retail Subtypes

Financing Options

Retail Transactions

Retail Financing by City

Financing Programs

Related Insights

Retail Investing in Bridgeport: A Complete Guide

Retail Investing in Stamford: A Complete Guide

Retail Investing in Newark: A Complete Guide

Retail Financing FAQ

Finance Your Retail Property

Weekly Market Intelligence

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