Retail Property Loans
Retail real estate is evolving, with necessity-based and service-oriented tenants playing an increasingly central role. AVANA Companies provides retail property loans for grocery-anchored centers, neighborhood shopping centers, and select single-tenant and owner-occupied locations. Our mix of SBA 504, bridge, and conventional financing supports both stable cash-flowing assets and value-add strategies, while offering investors secured access to community-facing properties.
Apply for a loan
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SBA 504 Loans
Built for Growth
Fixed-Rate, High LTV (Up to 90%), Long-Term CRE Loans for Owner-Occupied Properties
Backed by $5B+ in SBA lending expertise. Fast, transparent closings tailored for small businesses and brokers.
Financing Solutions for Retail Investors
Loan Options for Retail Properties
SBA 504 Loans
Explore SBA 504 Program →
Conventional Term Loans
Explore Conventional Program →
Bridge Loans
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.
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
For Investors: Why Retail Loans Matter
- Stable cash flows tied to everyday consumer spending and essential services.
- Resilience in locations with strong population density, income levels, and limited competing supply.
- A real-asset collateral base with potential for long-term appreciation under skilled ownership.
Submit Application
Submit your application with pre-qualification documents. We’ll review and issue a soft quote within 1 business day
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
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Frequently asked questions
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Insights
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.
Our Team
About Christyna Lane
As a lending participation expert in Southern California, Christyna Lane manages the direct loan placements for AVANA CUSO, a Member of the AVANA Family of Companies, with lenders like credit unions, community banks and other financial institutions while establishing and maintaining relationships for the organization. Joining the CUSO team in 2014, she works in connection with lenders nationwide to assist them in reaching their commercial lending goals and diversifying their portfolio.