Retail Property Financing

Advance Your Investment with Retail Property Financing

Harness our financial strength to acquire, refinance, or renovate your retail space

640

Minimum Credit Score

Varies

Maximum Debt To Income

75%

Maximum Loan To Value

$50M

Maximum Loan Amount

With 1 Application,130 Mortgage Lenders Will Compete For Your Business

Unlock unparalleled opportunities with a single application. Dive into a competitive marketplace where 130 top-tier mortgage lenders vie to offer you the best terms, ensuring you get the deal you deserve. It’s not just about choice; it’s about empowering you with the best options available.

🔒Does not Affect Credit. No SSN until you’re ready.

Innovative Mortgage recognizes the unique opportunities and challenges associated with financing retail properties. From sprawling 500,000-square-foot malls to smaller, boutique single-tenant retail spaces, we appreciate the individuality of each loan and the importance of brick-and-mortar storefronts in an e-commerce age.

Retail Property Loans with Innovative Mortgage:

Tailored Financing: We understand that the retail industry is evolving, and we offer bespoke loan options for the acquisition, repositioning, rehabilitation, and development of various retail centers, including shopping malls across the U.S.
Permanent Financing: Innovative Mortgage provides a comprehensive range of permanent financing solutions for purchasing or recapitalizing existing retail properties. We work closely with our clients to minimize costs and improve leverage and returns for each investor.
Diverse Lender Network: By matching every loan opportunity with the appropriate lender—from life companies to conduit lenders and investment banks—we ensure the best fit for your financial needs. Our loan options begin at $1 million with leverage up to 75% and offer amortizations of up to 30 years for CMBS loans.
Rehabilitation and Repositioning Loans: For retail properties in need of repositioning or rehabilitation, whether it’s a value-add acquisition or a refinance aimed at renovating and boosting rents before permanent financing, Innovative Mortgage is equipped to support you. We leverage our extensive network of institutional, bank, and debt-fund lenders to provide the most effective retail property repositioning solutions.

Why Choose Innovative Mortgage for Your Retail Property Loan:

Expertise in Retail Financing: Our team has extensive experience in navigating the retail real estate market, ensuring that we understand your investment’s nuances.
Customized Solutions: We recognize the importance of customization in retail property financing and are committed to finding a loan structure that aligns with your business goals.
Competitive Terms: By analyzing your specific situation, we aim to secure competitive terms that optimize your investment’s potential.
Support and Guidance: With Innovative Mortgage, you’ll receive hands-on assistance throughout the loan process. From the initial application to closing, we are here to help you every step of the way.

Begin Your Retail Property Loan Journey:

Ready to finance your retail property? Innovative Mortgage is here to assess your needs and provide expert guidance to facilitate a smooth transaction.

Reach out to Innovative Mortgage today to explore your retail property loan options. Our dedicated team is eager to help you achieve your retail investment ambitions, providing tailored financing solutions to support your success in the dynamic retail market.

Advantages of Retail Property Financing

Wide Range of Uses

Use funds for acquisition, refinancing, renovation, or leasehold improvements.

Competitive Rates

Get some of the best rates in the commercial real estate industry.

Variety of Loan Programs

We offer everything from conventional to SBA loans to suit your needs.

Considerations for Retail Property Financing

Market Sensitivity

Retail spaces can be sensitive to economic fluctuations, which lenders may consider.

Location Specific

Retail success is often tied to location, which can be a significant factor in loan approval.

Key Issues That Will Get Early Attention

Understanding Market Dynamics

Our team will help you navigate the dynamics of the retail space market.

Managing Property Requirements

We can assist you in strategizing to manage the requirements of retail property ownership.

Evaluating Your Loan Options

We will guide you in selecting the best loan program for your specific needs.

Securing Your Financing

Our aim is to streamline the underwriting process and secure the best financing for you.

We're Simply Better and Not Just on Price...

We Have More Lenders and More Loan Programs

Diverse Choices, Tailored for You: With a vast array of lenders and loan programs, we ensure a perfect fit for your unique financial needs.

Our Loyalty is To YOU not the lender

Your Interests, Our Priority: Our commitment is to you, not the lenders, ensuring unbiased and dedicated support throughout your mortgage journey.

Non QM, Convert to Cash and Flexible Funding Options Available

Flexible, Innovative Financing: Explore Non-QM loans, easy cash conversion options, and flexible funding solutions tailored for your financial freedom.

🔒No Credit Pull, No Obligation.

Compare For Yourself

Explore the difference that sets us apart in the financial world. See how our innovative services and unmatched benefits distinguish us from the competition, ensuring you make an informed choice.

Lightning Loans

Local Bank Branch

Big Name Online Lenders

Shops Hundreds of Lenders

Scans Thousands of Programs To Find You The Best Available

Is Loyal to Borrowers and Not Lenders

Has Multiple No Tax Return Mortgage Options

Can Show You Conventional and Non QM Options

Multiple 100% Financing Options for First Time Home Buyers

Can Do Hard Money, Bridge Financing and Other Unique Funding Types

🔒No Credit Pull, No Obligation.

You need a tenacious loan officer who has obsessively over-prepared and knows every single trick in the book to secure the ideal mortgage for your unique situation

And that is exactly what you'll find when working with me…

Read What Our Happy Clients Have to Say

Don't Wait, Secure Your Perfect Mortgage Today

"Andres is dependable, reliable and productive to the highest degree. His services will be required by our company in the future, and unequivocally we will be contracting him."

"A true example of a multitasking 24/7 powerhouse with no deal is too small attitude coupled with creative thinking and always open mind!!!"

"Lightning Loans made the mortgage process so easy and stress-free. Their team is knowledgeable and dedicated to providing tailored solutions for each client. I highly recommend them." -

1. Unparalleled Access to Mortgage Options With a Single Application

With a single application, we’ll comparison shop thousands of loan programs across hundreds of lenders.

This includes conventional loans at 130 different sources, FHA loans at 130 different sources, and even bank statement or no tax return options. If a mortgage product exists, we have access to it.

No more wondering if you’re getting the best deal – we’ll make sure of it.

2. Expert Guidance and Outstanding Communication

With over two decades of experience working with clients, I’ve developed a keen sense of what my clients need and when they need it.

It’s almost like having a psychic connection!

I pride myself on putting my clients first and providing outstanding communication throughout the entire mortgage process.

3. A Faster, Easier Path to Perfect Mortgage Loans For Your Specific Situation

Say goodbye to the headaches and hassles of traditional mortgage processes.

With Lightning Loans, you’ll enjoy a streamlined, efficient journey that gets you to your goals faster and with less stress.

You’ve got enough to worry about, let us put your mind at ease with regard to your mortgage financing.

We only request the things that are absolutely necessary

4. The Peace of Mind Knowing You've Made the Right Choice Because You've Seen ALL Your Options

When you work with Lightning Loans, you’re not just getting a mortgage –

You’re getting a partner who is committed to your success.

We’ll go above and beyond to ensure that you’ve made the best possible choice for your unique situation.

These might just seem like words on a page but one conversation with us and it will be abudantly clear to we walk our talk.

Experts at your service.

Meet the experts committed to providing you with exceptional financial solutions

Andres Garcia

Loan Officer

Dedicated, high energy real estate expert that is adept at working with investors and traditional borrowers.

Your Contact

Andrew Kashella

Senior Vice President

Mortgage Industry veteran responsible for thousands of loan originations and billions in closings.

Bryan P. Ehrlich

CEO/General Counsel

Founder, Juris Doctor and Lead Counsel for Innovative Mortgage Services.