Retail Property Financing in Ontario
From strip malls to standalone retail buildings, get competitive commercial financing for your retail real estate investments.
Retail Properties We Finance
Comprehensive financing solutions for all types of retail real estate.
Strip Malls
$500K-$5MNeighborhood shopping centers with multiple tenants
Standalone Retail
$300K-$3MSingle-tenant buildings, often with NNN leases
Mixed-Use Retail
$1M-$10MGround floor retail with residential/office above
Restaurant Buildings
$500K-$3MPurpose-built or converted restaurant properties
Shopping Centers
$5M-$50M+Larger centers with anchor tenants
Service Retail
$300K-$2MSalons, clinics, professional services
Benefits of Retail Property Investment
Retail real estate offers unique advantages for sophisticated investors.
Location-Based Value
Prime retail locations command premium rents and appreciation. We understand location economics.
Triple Net Leases
Many retail properties feature NNN leases where tenants pay taxes, insurance, and maintenance.
Long-Term Tenants
National chains and established businesses often sign 5-10 year leases, providing income stability.
Diverse Tenant Mix
Multi-tenant retail centers spread risk across multiple businesses and lease terms.
Retail Financing Process
Property Analysis
We evaluate tenant quality, lease terms, location strength, and income stability.
Financial Structuring
We structure financing to maximize cash flow and minimize carrying costs.
Lender Matching
We match your property with lenders who specialize in retail real estate.
Close & Operate
Smooth closing process so you can focus on tenant management and growth.
Retail Financing FAQs
What do lenders look for in retail property financing?
Lenders evaluate tenant credit quality, lease terms and expiration dates, location demographics, property condition, and the debt service coverage ratio (DSCR). Strong tenants with long leases get the best rates.
How do NNN leases affect financing?
Triple net (NNN) leases are attractive to lenders because tenants cover operating expenses, making cash flow more predictable. Properties with strong NNN tenants often qualify for better terms.
What's the typical down payment for retail property?
Expect 25-35% down for most retail properties. Properties with strong national tenants and long leases may qualify for lower down payments.
Can I finance a retail property with vacant space?
Yes, though it's more challenging. We work with lenders who will finance partially occupied properties, often with a plan to increase occupancy over time.
Get Your Retail Property Financing Quote
Whether you're acquiring, refinancing, or developing retail property, we'll find the right financing structure.
- Financing from $300K to $50M+
- Bank and private lender options
- Experienced in all retail property types
Request Your Free Consultation
Share a few details about your situation and our team will reach out within one business day. No obligation, no pressure — just expert advice tailored to your needs.
Speak with a Professor
Schedule a complimentary 30-minute consultation with our team. We'll review your situation, walk you through the options, and outline a path forward — no obligation.
Or call 647-955-9400
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