What is Retail Property Loans?
Retail property loans provide financing for commercial properties that generate income from retail tenants, including shopping centers, strip malls, standalone retail buildings, restaurant properties, and mixed-use retail developments. Underwriting for these loans focuses on location quality, tenant mix, traffic patterns, and lease structures.
At Roxford Holdings, we understand that retail property financing requires specialized knowledge of consumer trends, market demographics, and tenant creditworthiness. Our commercial lending team evaluates factors like anchor tenant strength, co-tenancy clauses, and percentage rent provisions that are unique to retail leases.
We offer financing for a range of retail properties from small neighborhood strip centers to larger community shopping centers. Our programs include conventional commercial loans, CMBS options for larger properties, and bridge loans for properties undergoing repositioning or tenant turnover.
How it compares: Retail property loans require more detailed tenant and market analysis than other commercial property types due to the sector's sensitivity to consumer spending trends and e-commerce competition.
Who Qualifies for Retail Property Loans?
How to Apply for Retail Property Loans
Provide property details including tenant roster, lease terms, and financial performance
Our team analyzes location demographics, traffic patterns, and tenant quality
Receive a term sheet tailored to the retail property type and risk profile
Complete commercial appraisal, environmental assessment, and property condition report
Close on your retail property loan — typically within 45-75 days
Key Features
Benefits
Requirements
Tenant mix analysis
Traffic count studies
Market demographics review
Environmental assessments
Anchor tenant requirements
Frequently Asked Questions
Anchor tenants are very important for retail financing. They provide stability and attract other tenants. Properties with strong anchor tenants typically receive better loan terms and approval rates.
Key factors include location demographics, traffic counts, tenant quality and mix, lease terms, competition analysis, and overall market conditions in the retail sector.
Ready to Get Started with Retail Property Loans?
Get personalized rate quotes and expert guidance for your retail property loans needs.
"They explained to us in very detailed step by step information for first time house buyers."
Jessica A.
First Time Home Buyer
Roxford Holdings Inc
"Buying my first home was something I thought would be impossible, but Martin and his team made the whole process smooth and possible. I highly recommend working with him and his team, they really do make dreams come true."
Rigo D.
First Time Home Buyer
Roxford Holdings Inc
"Martin helped my husband and I refinanced our mortgage. We went to several locations; however, I'm glad we didn't settle. Martin was able to lower our interest rate. The process was fast and smooth; which, it is highly appreciated. Martin, is knowledgeable and respectful. Thanks Martin!!!!"
Araceli M.
Mortgage Refinance Client
Roxford Holdings Inc
"They explained to us in very detailed step by step information for first time house buyers."
Jessica A.
First Time Home Buyer
Roxford Holdings Inc
"Buying my first home was something I thought would be impossible, but Martin and his team made the whole process smooth and possible. I highly recommend working with him and his team, they really do make dreams come true."
Rigo D.
First Time Home Buyer
Roxford Holdings Inc
"Martin helped my husband and I refinanced our mortgage. We went to several locations; however, I'm glad we didn't settle. Martin was able to lower our interest rate. The process was fast and smooth; which, it is highly appreciated. Martin, is knowledgeable and respectful. Thanks Martin!!!!"
Araceli M.
Mortgage Refinance Client
Roxford Holdings Inc