Retail Property Financing
Fuel your retail property investments with customized financing solutions designed to meet the unique needs of the commercial retail sector. Whether you’re acquiring, refinancing, or developing retail properties, we offer tailored loan programs to help you achieve your business goals.
Why Choose Us?
With deep expertise in commercial real estate financing, we provide a streamlined process, competitive rates, and personalized service for retail property owners and investors. Our solutions are designed to address the specific challenges and opportunities in the retail sector, ensuring your success.
Key Features of Our OfficeKey Features of Our Retail Property Financing
- Loan Amounts: $500,000 to $50 million+
- Loan Types: Acquisition, Refinancing, Construction, and Value-Add Renovations
- Max Loan-to-Value (LTV): Up to 75%
- Amortization Terms: 20–30 years
- Interest Rates: Competitive rates available upon request
- Time to Close: Underwriting timelines range from 15 to 90 days – transaction specific
Borrower Requirements
- Minimum FICO: Underwriting Specific – see below
- Recourse and Non-Recourse: Options available
- Property Financials: Strong property financials and stable tenant mix preferred
- Occupancy Types: Investor-owned or owner-occupied properties
Specialized Office Financing Considerations
We understand the complexities of financing retail properties and tailor our solutions to address the following factors:
- Tenant Mix: Evaluate the stability and diversity of tenants, including anchor tenants and smaller retailers.
- Location and Market Trends: Assess the property’s location, foot traffic, and surrounding market demographics.
- Lease Structures: Analyze lease terms, escalations, and tenant creditworthiness.
- Property Use: Finance a variety of retail property types, including shopping centers, strip malls, and single-tenant retail spaces.
- Value-Add Opportunities: Provide funding for renovations and upgrades to improve property value and attract new tenants.
Example Property Types We Finance
- Neighborhood Shopping Centers
- Strip Malls
- Power Centers
- Lifestyle Centers
- Single-Tenant Retail Properties
- Mixed-Use Developments with Retail Components
Tailored Solutions for Office Property Owners and Investors
Whether you’re looking to acquire a new office property, refinance an existing one, or fund value-add improvements, we provide end-to-end support to ensure a seamless financing process.
Contact Us Today
Ready to explore financing options for your multifamily property? Contact our team to discuss your needs and discover customized solutions.
Full Doc Underwriting
Limited Doc Underwriting
Common Sense Underwriting
Kastali’s Term Lending (Non-SBA)
| Time Required to Close | 45-60 Days on Average |
| Loan Size | 500k to 3M |
| Loan Type | Purchase |
| Loan Purpose | Stabilized Properties, Cross Collateralize – Portfolio, Real Estate (RE) Only, Long-Term Hold, Use Equity – Business Purpose, USDA – Rural |
| Max LTV | Up to 65-70% LTV |
| Terms | 5, 7, 10yr terms |
| Amortization | 25yrs |
| Rates | On request – Please Call |
| DSCR Requirement | 1.25x to 1.45x |
| Lien Position | First Trust Deed Only |
| Borrower Entity | Corporate Structure Required |
| Minimum FICO | 680+ Minimum |
| Prepayment Penalty | Yes – Step down |
| Recourse | Full Recourse |
| Occupancy Requirement | Investor / Owner-Occupied |
| Lender Origination Fees | 0.5%-1.5% |
| Broker Fees | 1%-2% |
| Due Diligence Retainer | $2,500-$7,500+ |
| Packaging Deposit | $895 – Refundable |
| Locations | Continental US |
| Special Requirements | Good Credit History |
***For real estate professional use only, not meant for the general public.
***Rates and terms subject to change without notice.
Kastali’s SBA 504/7a
| Time Required to Close | 60-90 Days on Average |
| Loan Size | 500k to 10M (504) / (7a) |
| Loan Type | Purchase, Rate & Term, Cash-Out |
| Loan Purpose | Small Business, Business Only, Real Estate (RE) Only, RE & Business, Stabilized Businesses, USDA – Rural, Construction to Perm, Equipment Financing, Working Capital Loans, Franchise Financing, Owner-Occupied Commercial Real Estate Financing, Use Equity – Business Purpose |
| Max LTV | Up to 85-90% LTV (504) / (7a) |
| Terms | 5, 7, 10 Up to 25yr (504) / (7a) |
| Amortization | 10-25yrs |
| Rates | Based on SBA rates – Call for details |
| DSCR Requirement | 1.15x to 1.25x |
| Lien Position | First Trust Deed Only |
| Borrower Entity | For-Profit Business Entity |
| Minimum FICO | 640+ for SBA |
| Prepayment Penalty | SBA Guidelines Apply |
| Recourse | Full Personal Guarantee |
| Occupancy Requirement | 51%+ Owner Occupied |
| Lender Origination Fees | SBA Fee Schedule+ 0.5-1.5% |
| Broker Fees | 1%-2% |
| Due Diligence Retainer | $7,500-$12,000+ |
| Packaging Deposit | $895 – Refundable |
| Locations | Continental US |
| Special Requirements | 2+ Years Business History |
***For real estate professional use only, not meant for the general public.
***Rates and terms subject to change without notice.
Kastali’s CMBS / Life Co. Lending
| Time Required to Close | 60-90 Days on Average |
| Loan Size | 3M to 100M+ |
| Loan Type | Purchase, Rate & Term, Cash-Out |
| Loan Purpose | Stabilized Properties, Real Estate (RE) Only, Cross Collateralize – Portfolio, Large Balance – Institutional Properties, Long-Term Hold, Use Equity – Business Purpose |
| Max LTV | Up to 75% LTV |
| Terms | 5, 7, 10yr terms |
| Amortization | 25-30yrs |
| Rates | On request – Please Call |
| DSCR Requirement | 1.25x to 1.45x DSCR |
| Lien Position | First Trust Deed Only |
| Borrower Entity | Single Asset Entity |
| Minimum FICO | 700+ preferred / 680 min |
| Prepayment Penalty | Yield Maintenance/Step down |
| Recourse | Non-Recourse Available |
| Occupancy Requirement | Investor / Owner-Occupied |
| Lender Origination Fees | 0.5%-1.5% |
| Broker Fees | 1%-2% |
| Due Diligence Retainer | $10,000-$15,000+ |
| Packaging Deposit | $895 – Refundable |
| Locations | Continental US |
| Special Requirements | Strong Property Financials |
***For real estate professional use only, not meant for the general public.
***Rates and terms subject to change without notice.
Full Doc Underwriting
Limited Doc Underwriting
Common Sense Underwriting
Kastali’s Bridge Lending
| Time Required to Close | 4-6 Weeks on Average |
| Loan Size | 500k to 50M+ |
| Loan Type | Purchase, Rate & Term, Cash-Out |
| Loan Purpose | Bridge to Perm / Sell, Value-Add / Light Rehab Fix n Flip/Hold, Value-Add / Lease-Up & Stabilize, Construction to Perm, Quick Close, Bad Credit, Light Document, Reduced Underwriting, Short-Term, Distressed Property, Use Equity – Business Purpose |
| Max LTV | Up to 70% LTV |
| Terms | 1-3yr terms |
| Amortization | 25-30yrs – Typically I/O |
| Rates | On request – Please Call |
| DSCR Requirement | 1.0x DSCR minimum |
| Lien Position | First Trust Deed Only |
| Borrower Entity | Single Asset Entity |
| Minimum FICO | 680+ preferred / 650 min |
| Prepayment Penalty | Typically 3-1% step down |
| Recourse | Typically Recourse |
| Occupancy Requirement | Investor / Owner-Occupied |
| Lender Origination Fees | 1%-3% |
| Broker Fees | 1%-2% |
| Due Diligence Retainer | $5,000-$7,500+ |
| Packaging Deposit | $895 – Refundable |
| Locations | Continental US |
| Special Requirements | Exit Strategy Required |
***For real estate professional use only, not meant for the general public.
***Rates and terms subject to change without notice.
Full Doc Underwriting
Limited Doc Underwriting
Common Sense Underwriting
Kastali’s Hard Money Lending
| Time Required to Close | 1-2 Weeks on Average |
| Loan Size | 500k to 20M+ |
| Loan Type | Purchase, Rate & Term, Cash-Out |
| Loan Purpose | Quick Close, Bad Credit, Light Document, Value-Add / Light Rehab Fix n Flip/Hold, Value-Add / Repurpose, Construction – Heavy / Add Sq. Ft, Construction – Land Development, Non-Performing Asset Acquisition, Distressed Borrowers, Distressed Property, Use Equity – Business Purpose |
| Max LTV | Up to 65% LTV |
| Terms | 12-18mo Terms |
| Amortization | Interest Only – I/O |
| Rates | On request – Please Call |
| DSCR Requirement | Not typically required |
| Lien Position | First Trust Deed Only |
| Borrower Entity | Single Asset Entity |
| Minimum FICO | 600+ preferred / 550 min |
| Prepayment Penalty | Typically None |
| Recourse | Typically Recourse |
| Occupancy Requirement | Investor / Owner-Occupied |
| Lender Origination Fees | 2%-5% |
| Broker Fees | 1%-2% |
| Due Diligence Retainer | $7,500-$12,000+ |
| Packaging Deposit | $895 – Refundable |
| Locations | Continental US |
| Special Requirements | Exit Strategy Required |
***For real estate professional use only, not meant for the general public.
***Rates and terms subject to change without notice.