Fast & Easy Loans for Rental Properties
Retail Property Loans
Retail property loans from Private Capital Investors offer flexible financing from $2M to $50M at rates starting at 5.99%, with 1-3 year terms, up to 85% LTV, interest-only options, and closings in as little as two weeks—no prepayment penalties.
940+
Loans
854+
Clients
$4.5B+
Funded Loans
Loan Features & Parameters
Rental Property Financing
Recent forecasts from the National Retail Federation indicate that retail sales will grow by 4.4% compared to 2025, reaching around $5.6 trillion. Economists expect consumer resilience to persist into 2026, with household spending supporting the economy.
Even so, ongoing tensions in the Middle East and their effects on global markets can create uncertainty for investors. This is why it’s important to work with an experienced partner like Private Capital Investors.
When you have a team that understands the current economic environment, it becomes easier to make smart decisions and position your retail property investment for stability and long-term performance through 2026 and beyond.
Loan Amount: $2 Million to $50 Million.
Leverage: 65 to 75% LTV.
Amortization: 3, 5, 10, 15, and 25 years.
Loan Terms: 3, 5, 10, and 15 years fixed rates.
Credit Flexibility: High (Asset-Based)
Interest Rates start from 5.99%
Funds allocation within 2 weeks
Lending Areas: Nationwide
Our Recent Closings
Industrial Property Acquisition
Honolulu, Hawaii | $1,875,000
Multifamily Portfolio Refinance
Brimingham, AL | $19,100,000
Multifamily Major Rehab Building
Westwego, Louisiana | $21,000,000
Retail Properties We Fund
Eligible Retail Property Types
We fund grocery-anchored centers, strip malls, net lease properties, and more across major U.S. markets, emphasizing consumer resilience and economic stability.
Grocery-anchored centers – These centers attract steady foot traffic, which helps support stable rental income.
Unanchored strip malls – Loan approval depends on tenant mix, location, and consistent property income performance.
Single-tenant net lease – Long-term tenant leases provide predictable income, which lenders view as lower risk.
Regional malls (repurposing) – Financing supports redevelopment, repositioning, or mixed-use conversion to improve long-term value.
Lifestyle & power centers – Strong anchor tenants and national brands help improve financing strength and stability.
Eligible Transactions
Our lending programs support diverse commercial real estate transactions such as property purchases, pre-construction funding, repositioning strategies, tenant improvements, and debt consolidation to help maximize your asset value.
Purchase Loans
Note Purchases
Pre Construction
Property Repositioning
Tenant Improvement
Debt Consolidation
Eligible Commercial Properties
Self Storage Loans
Auto Dealership Loans
Day Care Center Loans
Car Wash Loans
CRE Loan Programs for Retail Property
Permanent Financing
Get long-term financing for stabilized retail properties with predictable income and occupancy.
Hard Money Loans
Short-term funding for time-sensitive deals or properties needing repositioning or improvements.
Bridge loans
Temporary financing that helps you transition between purchase and refinance, or stabilization stages.
Stated Income Loans
Financing based on your retail property’s performance without requiring traditional income documentation.
Trusted CRE Loan Lender
Why Investors Choose PCI Over Traditional Banks?
Complete retail financing portfolio – We finance a wide range of retail properties, from single-tenant spaces to large community shopping centers.
Flexible property-class financing – We finance Class A properties and help you arrange debt for Class D properties in tertiary markets.
Experienced CRE lending team – Our commercial real estate lenders help you buy and refinance, or even expand with confidence.
Strong local market connections – Take advantage of our team’s local experience to find and finance the right commercial property.
Strategy-focused approach – You can count on us for long-term planning and solutions beyond closing a single transaction.
Frequently Asked Questions
What is the typical down payment required for a retail property loan?
Most commercial retail property loans require a minimum down payment of around 20% to 25%, although this can vary depending on your loan program and property type.
How long does the closing process take for a retail loan?
A typical commercial real estate transaction usually takes between 30 and 90 days to close. However, at Private Capital Investors, we can often close in as little as two weeks under our standard loan terms.
Can I refinance a retail property loan?
Yes, you can refinance a retail property loan to secure better terms or reduce your interest rate, or even access the equity you have built in the property.
What documents are required?
You will need to provide bank statements and borrowing entity documents, as well as guarantor information and insurance documentation. If you are purchasing a property, we will also need a copy of the purchase contract.
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Want to learn more? Get in touch with us today.
Our experienced team is ready to assist with your financing needs.
Address:
2101 Cedar Springs Road Suite 1050 Dallas, TX 75201
Phone:
972-865-6206
Email:
info@privatecapitalinvestors.com