$8 Million Shopping Center Refinance

By Trevor Damyan, Commercial Mortgage Broker at Commercial Lending Solutions

An $8 million shopping center refinance typically fits a mid-market grocery-anchored or credit-tenanted retail center of 40,000 to 80,000 square feet. Most $8M shopping center refis fund through CMBS, life co, or specialty retail lenders depending on anchor mix.

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What a $8M Shopping Center Refinance Capital Stack Looks Like

$8M shopping center refinances fund as a single senior loan with structure depending on anchor tenant credit.

Capital Source Rate / Cost Size / LTV Notes
CMBS conduit 6.85 to 7.65% $8M / 65 to 70% LTV Grocery-anchored or credit-tenanted
Life insurance company 6.25 to 7.05% $8M / 55 to 65% LTV Trophy grocery-anchored
Specialty retail bank 7.45 to 8.65% $8M / 60 to 70% LTV Mid-market retail
Bridge debt fund SOFR + 425 to 600 $8M / 65 to 75% LTC Value-add or repositioning

Pricing reflects active CLS CRE quote pipeline as of April 2026. Specific deal pricing depends on sponsor, property, and structure.

Who Closes a $8M Shopping Center Refinance Deal

Typical $8M shopping center sponsors are private capital retail investors with 3 to 10 properties. Anchor tenant credit drives lender appetite.

A Real $8M Example

On an $8.4M refinance of a 56,000 sq ft grocery-anchored shopping center in a Sun Belt suburban market with 12 years remaining on the anchor lease, the sponsor financed through CMBS at 7.05 percent fixed 10-year, 67 percent LTV ($5.6M).

Anonymized. All deal references protect borrower and lender identity.

$8M Shopping Center Refinance FAQ

Stabilized grocery-anchored shopping centers typically trade at 6.50 to 7.50 percent cap rates. Power centers and credit-tenanted retail trade at tighter cap rates; unanchored retail at wider.
Investment-grade anchor tenants on long-term leases support tighter pricing and broader lender appetite. Weaker anchors face proceeds reductions and limited lender pool.

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