Retail Loans
Shopping centers, strip malls, standalone retail, and restaurants.
Retail debt gets sized around tenant durability, lease term, and how much rollover or vacancy risk the center is carrying today.
Lenders in the directory tagged for retail deals.
Bridge, permanent, SBA, construction, or other property-specific options depending on the deal.
Use the quiz if you want a real shortlist instead of guessing which lender box your property fits.
Which loan types are common for retail deals?
The right financing depends on whether the property is stabilized, owner-occupied, transitional, or still being built. These are the pages borrowers usually compare first.
Commercial Mortgage
Traditional long-term financing for stabilized commercial properties
🏛️SBA 7(a) Loans
The most flexible SBA loan — up to $5M for nearly any business purpose
🏢SBA 504 Loans
Below-market fixed rates for commercial real estate and heavy equipment
🌉Bridge Loans
Short-term financing to bridge the gap to permanent capital
🏗️Construction Loans
Finance ground-up construction or major renovation projects
What do lenders look at on retail deals?
Cash flow and occupancy
Lenders want believable income, stable occupancy, and a story that holds up if the current rent roll softens.
Property-specific risk
Environmental issues, specialized tenancy, lease rollover, deferred maintenance, or entitlement risk can matter more than coupon.
Exit clarity
Short-term debt only works if the refinance, sale, or stabilization plan is actually realistic.
Lenders tagged for retail deals
A directory starting point, not a substitute for matching the actual deal structure.
Live Oak Banking Company
SBA VerifiedWILMINGTON, NC
One of the nation's top SBA 7(a) lenders, specializing in lending to small businesses across healthcare, veterinary, beverage, self-storage, and other industries. Offers SBA loans, USDA loans, conventional business loans, and commercial real estate financing.
Newtek Bank, National Association
SBA VerifiedMiami, FL
Technology-driven SBA preferred lender providing 7(a) loans to small and medium-sized businesses nationwide. Part of Newtek Business Services Corp, offering integrated business solutions including lending, payments, and technology services.
Celtic Bank Corporation
SBA VerifiedSALT LAKE CITY, UT
Industrial bank and top SBA preferred lender headquartered in Salt Lake City. Specializes in SBA 7(a) lending for business acquisitions, partner buyouts, commercial real estate, and working capital. Also offers USDA business loans.
Readycap Lending, LLC
SBA VerifiedBERKELEY HEIGHTS, NJ
Non-bank SBA preferred lender offering SBA 7(a) and 504 loans nationwide. Specializes in commercial real estate, business acquisition, and expansion financing for small businesses. Known for fast closings and flexible underwriting.
United Midwest Savings Bank National Association
SBA VerifiedDE GRAFF, OH
Community bank and SBA preferred lender based in Ohio. Specializes in SBA 7(a) loans for small businesses, including business acquisitions, commercial real estate, and working capital financing.
CenTrust Bank, A Division of SmartBiz Bank National Associat
SBA VerifiedNorthbrook, IL
Technology-driven SBA lender operating through the SmartBiz platform. Offers streamlined SBA 7(a) loans with a fast online application process, serving small businesses nationwide with loans for working capital, debt refinancing, and commercial real estate.
The Huntington National Bank
SBA VerifiedCOLUMBUS, OH
Major regional bank and consistently one of the top SBA lenders in the country by number of loans. Offers SBA 7(a) and 504 loans alongside conventional business lending, commercial real estate, and treasury management services.
U.S. Bank, National Association
SBA VerifiedCincinnati, OH
Fifth-largest commercial bank in the U.S. and a top SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate, and a full suite of business banking products.
Need the right lender, not just more lender names?
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