Hard money retail loans are perhaps the modern solution to a very challenging segment of real estate.  Online retailers have decimated brick and mortar store, causing retail properties to have high vacancy rates and an overall identity crisis.  This is especially true of shopping centers, multi-tenant centers, and big shopping malls – because they all compete with online giants such as Amazon.  Hard money loans for retail can bridge the gap and solve the credit challenge for a retail investor.

A traditional bank might underwrite a shopping center based on the rents, while a private hard money lender who specializes in retail properties could see a redevelopment opportunity or repositioning the property to a more secure tenant.  We also consistently see banks underwrite existing corporate leases 20-30% lower, even with triple net tenants with A credit rating. This is much less likely to happen with a retail hard money lender.