Retail Plaza Mortgage Financing
Commercial mortgages for multi-tenant retail properties across Canada, the U.S., and Mexico. We understand tenant mix, lease structures, vacancy risks, and cash flow projections from personal investment experience.
Strategy Call
Discuss your retail property and financing needs
Custom Solution
We structure the optimal financing package
Close & Grow
Get funded and expand your portfolio
Retail Financing That Banks Can't Match
Conventional lenders often struggle with retail plaza financing. We work with specialized commercial lenders who evaluate deals based on actual potential rather than standardized criteria.
Tenant Mix Analysis
We understand tenant creditworthiness, lease structures, and how to present your property's income potential to lenders.
Cross-Border Expertise
Seamless financing across Canada, USA, and Mexico with deep knowledge of each market's retail property requirements.
Flexible Timelines
From 30-45 day bridge closings to standard 45-90 day permanent financing, we match your timeline to the right solution.
Value-Add Specialists
Financing for renovation and repositioning strategies to increase tenant quality, occupancy, and rental rates.
Higher Vacancy Solutions
We work with lenders who finance retail plazas with higher vacancy than banks typically require (80-90% standard).
All Tenant Types
National credit tenants qualify for better terms, but strong local tenants with good lease terms are also acceptable.
Ready to finance your retail plaza?
Let's discuss your property and find the right financing solution.
Complete Retail Plaza Financing Solutions
From acquisition through permanent financing, we provide comprehensive solutions for every stage of your retail property investment.
Purchase
Acquisition loans evaluated on tenant strength and cash flow potential. Whether it's a neighborhood strip center or a larger community plaza, we structure financing that works.
Discuss this financing optionWhat's Included
- Tenant quality analysis
- Lease structure evaluation
- Multi-tenant retail plazas
- Single-tenant retail buildings
- Competitive rates for stabilized properties
What Our Clients Say
Questions About Retail Plaza Financing
Everything you need to know about commercial retail mortgages. Can't find your answer? Book a call with our team.
Getting Started
Down payments typically range from 25-35% depending on occupancy, tenant strength, and your experience. Properties with national credit tenants and strong occupancy may qualify for lower down payments.
Yes, we finance retail plazas with higher vacancy than banks typically require (80-90% standard). If you have a solid lease-up strategy and strong market fundamentals, we can find solutions for properties in transition.
45-90 days for standard permanent financing deals. Bridge financing can close in 30-45 days. Construction loans may take longer due to additional documentation and approvals required.
Underwriting & Rates
Lenders focus on tenant creditworthiness, lease terms and duration, occupancy rates, location and demographics, investor experience, and debt service coverage ratios (typically 1.20-1.30x minimum).
Permanent financing for stabilized properties typically ranges 6-9%. Bridge financing runs 8-12%+ depending on occupancy, tenant quality, and repositioning plans. National credit tenants often qualify for the best rates.
Yes, national credit tenants (like major retailers, banks, or restaurant chains) typically qualify for better financing terms due to their financial strength and lease reliability. However, strong local tenants with good lease terms are also acceptable.
Loan Types
Bridge financing is short-term (6-24 months) with higher rates, designed for properties in transition-leasing up, renovating, or repositioning. Permanent financing is long-term (5-25 years) with lower rates for stabilized, income-producing properties.
Yes, portfolio or blanket mortgages allow you to consolidate multiple retail properties under one loan. This can simplify management, potentially improve terms, and make scaling your portfolio more efficient.
Experience helps but isn't mandatory. First-time commercial investors can qualify with strong financials, a viable business plan, and realistic projections. Some lenders have programs specifically for emerging investors.
Special Situations
Yes, we provide financing for retail properties across Canada, the USA, and Mexico. We understand the unique challenges of international commercial investment and have lender relationships in all three markets.
Absolutely. Strong anchor tenants (grocery stores, major retailers, etc.) significantly improve financing terms. Their presence drives traffic, attracts other tenants, and provides stability that lenders value highly.
Still have questions about your retail property?
Talk to an Expert