Bridge Loan
Shopping Center Bridge Loans & Retail Center Bridge Financing
Fast, flexible capital for non-stabilized retail centers in growth markets
If you’re developing, leasing up, or repositioning a shopping center or strip center, you know traditional banks want 80–90% occupancy, long operating history, and flawless utility conditions. That doesn’t match real-world retail. LoanTap delivers commercial bridge loans built for non-stabilized shopping centers, including 50–80% occupied assets, newly built strip centers, value-add retail, and centers in need of TI/LC, renovations, or infrastructure fixes.
Our bridge financing helps retail developers move fast—funding lease-up, refinancing construction debt, or executing expansion plans with the certainty banks can’t provide.
Call Us (786) 774-0411
or Submit Your Deal Here
We’ll review and respond quickly. No obligations.
Your information is confidential and only used to evaluate your deal.
Ideal for 50% - 80% Occupancy
Purpose-built for non-stabilized shopping centers, partially leased strip centers, and value-add retail centers needing lease-up, TI/LC, or repositioning.
Flexible Capital
for TI/LC
Ideal for retail centers that require tenant improvements, leasing commissions, build-outs, expansions, or infrastructure repairs (e.g., septic → city water upgrades).
Fast, Investor-Focused Execution
When banks decline due to occupancy, DSCR, or operating history, LoanTap delivers speed, flexible underwriting, and interest-only terms.
Bridge Loan
Shopping Center Bridge Loans & Retail Center Bridge Financing
Fast, flexible capital for non-stabilized retail centers in growth markets
If you’re developing, leasing up, or repositioning a shopping center or strip center, you know traditional banks want 80–90% occupancy, long operating history, and flawless utility conditions. That doesn’t match real-world retail. LoanTap delivers commercial bridge loans built for non-stabilized shopping centers, including 50–80% occupied assets, newly built strip centers, value-add retail, and centers in need of TI/LC, renovations, or infrastructure fixes.
Our bridge financing helps retail developers move fast—funding lease-up, refinancing construction debt, or executing expansion plans with the certainty banks can’t provide.
Call Us (786) 774-0411
or Submit Your Deal Here
We’ll review and respond quickly. No obligations.
Secure. Private. Confidential. We safeguard your information.
Shopping Center Bridge Loan Core Advantages
Designed for 50% - 80% Occupancy
Purpose-built for non-stabilized shopping centers, partially leased strip centers, and value-add retail centers needing lease-up, TI/LC, or repositioning.
Flexible Capital for TI/LC
Ideal for retail centers that require tenant improvements, leasing commissions, build-outs, expansions, or infrastructure repairs (e.g., septic → city water upgrades).
Fast, Investor-Focused Execution
When banks decline due to occupancy, DSCR, or operating history, LoanTap delivers speed, flexible underwriting, and interest-only terms.
Who This Bridge Loan Program Is Built For
Developers and owners of:
Unanchored retail and multi-building strip centers
8–60 unit suburban shopping centers
Newly constructed retail centers needing post-construction bridge financing
Typical Needs Include:
50–80% occupancy during lease-up
NOI not yet stabilized
Tenant disputes, build-out needs, or TI/LC requirements
Infrastructure fixes (e.g. septic, water line)
Expansion or adjacent land acquisition
Developers and owners of:
Unanchored retail and multi-building strip centers
8–60 unit suburban shopping centers
Newly constructed retail centers needing post-construction bridge financing
Typical Needs Include:
50–80% occupancy during lease-up
NOI not yet stabilized
Tenant disputes, build-out needs, or TI/LC requirements
Infrastructure fixes (septic, water line)
Expansion or adjacent land acquisition
Core Loan Features
Short-Term, Interest-Only Bridge Loans
12–36 month terms with interest-only payment structures.
Flexible Use of Funds
Purchase • Refinance • Reposition • Rehab/Renovation • Post-Construction Take-Out • TI/LC • Cash-Out • Infrastructure Fixes
Commercial LTV up to ~ 70-75%
Loan Amounts for Retail Projects
Common ranges span $1M to $15M, and up to $20M for larger retail centers
Retail-Friendly Underwriting
DSCR flexible / deal dependent
Value-add and transitional retail centers accepted
Centers with NOI volatility, infrastructure issues, or complex tenant mixes considered
Short-Term, Interest-Only Bridge Loans
12–36 month terms with interest-only payment structures.
Flexible Use of Funds
Purchase • Refinance • Reposition • Rehab/Renovation • Post-Construction Take-Out • TI/LC • Cash-Out • Infrastructure Fixes
Commercial LTV up to ~70–75%
Loan Amounts for Retail Projects
Common ranges span $1M to $15M, and up to $20M for larger retail centers
Retail-Friendly Underwriting
DSCR flexible / deal dependent
Value-add and transitional retail centers accepted
Centers with NOI volatility, infrastructure issues, or complex tenant mixes considered
Use Cases Tailored to Retail Developers
Bridge Loan for Lease-Up Retail Centers
Fill vacant suites, execute TI/LC packages, attract better tenants.
Bridge Loan for Retail Center Renovations
Exterior refresh, parking lot repairs, facade upgrades, signage improvements.
Bridge Loan for New Shopping Centers (Construction Take-Out)
Refinance expiring construction loans without waiting for stabilization.
Refinance Maturing or Ballooning Debt
Including CMBS maturities, bank declines, or high-interest interim debt.
Bridge Loan for Shopping Center Infrastructure Repairs
Convert well/septic to city water, fix code issues, or upgrade utilities.
Cash-Out for Expansion
Acquire adjacent parcels, add pads, or build additional buildings.
Bridge Loan for Lease-Up Retail Centers
Fill vacant suites, execute TI/LC packages, attract better tenants.
Bridge Loan for Retail Center Renovations
Exterior refresh, parking lot repairs, facade upgrades, signage improvements.
Bridge Loan for New Shopping Centers (Construction Take-Out)
Refinance expiring construction loans without waiting for stabilization.
Refinance Maturing or Ballooning Debt
Including CMBS maturities, bank declines, or high-interest interim debt.
Bridge Loan for Shopping Center Infrastructure Repairs
Convert well/septic to city water, fix code issues, or upgrade utilities.
Cash-Out for Expansion
Acquire adjacent parcels, add pads, or build additional buildings.
Why Retail Developers Choose LoanTap
Why Developers
Choose LoanTap
We understand non-stabilized retail.
50–85% occupancy? Variable utilities? TI/LC heavy tenants? Not a problem.
Financing based on the asset’s potential — not bank checkboxes.
NOI in transition or pro forma-driven growth is expected for this asset type.
Protect your cash flow.
Interest-only structures are typical.
We help you move like a cash buyer.
Fast responses, simple documentation, and clear guidance.
We understand non-stabilized retail.
50–85% occupancy? Variable utilities? TI/LC heavy tenants? Not a problem.
Financing based on the asset’s potential — not bank checkboxes.
NOI in transition or pro forma-driven growth is expected for this asset type.
Protect your cash flow.
Interest-only structures are typical.
We help you move like a cash buyer.
Fast responses, simple documentation, and clear guidance.
Frequently Asked Questions
Can I get a bridge loan for a non-stabilized retail center (50–80% occupied)?
Yes. This program is built specifically for non-stabilized retail, including centers at 50–80% occupancy or in active lease-up.
What if a bank declined my shopping center loan?
LoanTap delivers funding for centers that banks typically avoid due to occupancy, DSCR, or limited operating history.
Can I refinance a maturing shopping center loan?
Yes. Bridge financing is often used to refinance maturing CMBS, interim, or construction loans.
Can this loan cover TI/LC, build-outs, or infrastructure fixes?
Yes. These are among the most common use cases for retail center bridge loans.
Do you work with post-construction strip centers that still need lease-up?
Yes. This program covers construction take-out scenarios for newly built strip centers that aren’t yet stabilized.
Unlock Flexible Capital for Your Shopping Center or Retail Property
Unlock Flexible Capital for Your Shopping Center or Retail Property
©2025 LoanTap. All Rights Reserved.
Insight Finance Group LLC DBA LoanTap
1100 Brickell Bay Dr.
Miami, FL 33131
(786) 774-0411