Retail Property Loans

Buy, Refinance, or Reposition Your Retail Property

Finance grocery-anchored centers, single-tenant retail, and owner-occupied storefronts with SBA 504, bridge, and conventional loans from ~$1M to $30M — from a lender that's funded $6.5B+ since 2002. Get a soft quote in 1–2 business days.

Apply for a Loan →Schedule a Call

Empty blue shopping cart in a store aisle with blurry shoppers and shelves in the background.

Since 2002 · $6.5B+ Funded · $1B AUM

Financing the Retail Real Estate Communities Rely On

Retail is evolving — necessity-based and service-oriented tenants now anchor the strongest centers. AVANA finances assets where tenant quality, lease structures, and trade-area fundamentals support durable cash flow: grocery-anchored and neighborhood shopping centers, plus select single-tenant and owner-occupied locations. For investors, these loans offer secured exposure to brick-and-mortar assets that serve as daily touchpoints for their communities.

We Underwrite the Tenants

We align maturities with lease rollovers, account for co-tenancy provisions, and favor grocery-anchored, necessity-based centers

Right Structure for the Strategy

SBA 504, conventional, or bridge — matched to owner-users, stabilized centers, or repositioning, from one team

Straight, Fast Answers

A soft quote in 1–2 business days from a team that closes retail deals

Three Ways to Finance a Retail Deal

SBA 504 Loans

For eligible owner-users purchasing or refinancing retail properties they substantially occupy, SBA 504 provides high-leverage, fixed-rate funding with long amortizations.

Explore SBA 504 Program →

Conventional Term Loans

Medium- to long-term loans for stabilized, income-producing centers and single-tenant properties, structured around anchor tenant strength and rent rolls.

Explore Conventional Program →

Interior photo of woman checking out at a retail shop

Bridge Loans

Short-term, often interest-only loans supporting acquisitions, recapitalizations, and repositionings—such as re-tenanting, redevelopment, or cure of occupancy issues prior to permanent financing.

Explore Bridge Program →

Key Terms & Structures

Rates and structures vary depending on loan type and borrower qualifications

Loan Sizes

Approximately $1MM to $30MM across programs.

Terms

Short-term bridge and construction: up to 3 years.
Long-term / SBA 504 & conventional: up to 25 years.

Leverage

Up to 75% LTV for many structures.
Up to 90% total project costs for qualifying SBA 504 projects.

Pricing

Market-indexed, generally tied to SOFR, CMT, or Treasury benchmarks, with program-specific spreads.

What You Can Finance

Proceeds for retail loans may be used for

Acquire grocery-anchored and necessity-based centers

Purchase or refinance owner-occupied retail properties for operating businesses

Refinance existing debt, including potential cash-out for approved capital and business purposes

Support rent roll stabilization or repositioning ahead of sale or long-term permanent financing

Fund re-tenanting strategies, including demising, façade enhancements, parking upgrades, and common-area improvements

Institutional Capital Behind Your Deal

Through the AVANA–Oaktree Private Credit Partnership, we bring institutional-grade bridge capital to experienced retail real estate sponsors — pairing AVANA's sector underwriting with Oaktree's private-credit platform to sharpen pricing and accelerate funding on repositioning and re-tenanting plays

Hotel entrance with large pillars, palm trees, and evening lighting under blue sky.

A Streamlined Process

We make financing simple, transparent, and fast from application to funding

Submit Application

Submit your application with pre-qualification documents. We’ll review and issue a soft quote within 1-2 business days

Review

We review initial documents and confirm loan structure and key terms. If the deal meets criteria, we issue a Letter of Intent with proposed terms

Approval & Terms

We complete underwriting and order third-party reports as needed. Credit team issues final approval when complete (timing can vary)

Closing & Funding

We prepare final loan documents, open escrow, and coordinate closing. Funds are released once closing requirements are met

Proven Success Stories

We’ve helped businesses across industries

Featured

April 25, 2022

Toccoa Retail Building

Loan Purpose:

Refinance

Asset Class:

Retail

Loan Amount:

1,847,898

Featured

December 11, 2021

Multi-Tenant Retail Building

Loan Purpose:

Cash-Out Refinance

Asset Class:

Retail

Loan Amount:

2,585,757

Frequently Asked Questions

Find answers to common questions

Can SBA 504 be used for retail owner-users?

Yes—SBA 504 is available for owner-operated retail properties. The business must occupy the majority of the space and meet SBA eligibility requirements.

Do you finance single-tenant and multi-tenant retail?

Yes—term loans, bridge financing, and SBA 504 can be available for both single-tenant and multi-tenant retail. Grocery-anchored centers are strongly preferred due to stability and consistent foot traffic.

Can I refinance a retail property for better terms or equity?

Yes—eligible owner-operators can access conventional, bridge, and SBA 504 refinance options to lower rates, restructure terms, or pull out capital for improvements.

Do mixed-use properties qualify (retail + residential)?

Mixed-use with a retail component may qualify, depending on the commercial share, tenancy mix, and borrower goals.

How much can I borrow?

Retail loans run from approximately $1M to $30M across programs, with up to 75% LTV for many structures and up to 90% of total project costs on qualifying SBA 504 projects.

How fast will I hear back?

You'll get a soft quote in 1–2 business days after we review your pre-qualification documents.

Ready to Move Your Retail Deal Forward?

Share your property details, capital needs, and timing and get a soft quote in 1–2 business days from a lender that's funded $6.5B+ since 2002.

Apply for a Loan →Schedule a Call ↗

Insights

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Education

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Our Team

About Sanat Patel

As Chief Lending Officer at AVANA Companies and Chair of the Board at AVANA Bank, Sanat Patel brings more than three decades of experience in financial services, private credit and commercial banking, with a proven track record in loan structuring, risk management, and balance sheet growth. Sanat has led strategic initiatives that connect institutional capital with entrepreneurial ambition, supporting the growth of businesses, and owners engaged in commercial real estate across the U.S. He has built and scaled lending platforms in partnership with banks and credit unions, developing tailored financial solutions that drive job creation and foster inclusive economic development.

Sanat Patel

Chief Lending Officer