Another option would be to use 200A fuses with the 250 MCM wire.
If we are going to preclude the use of 250 MCM with 225 amp fuses based on the premise that there is no load calculation, and the amperage could be above 205 amps, how do we know that a 225 amp subpanel is adequate? If the load was 231 amps, calculated or actual, then what?
What I am getting at is that if an inspector would not allow 250 MCM with 225 amp fuses because of no load calculation, why would he allow a 225 amp panel at all? 231 amps exceeds the 230 amp limit for aluminum 300 MCM, as well as the sub panel rating.
Article 215.2 (A)(1) seems to tell me that a load calculation must be done for feeders to determine their ampacity. An unbuilt retail space, final use to be determined, will have a minimum number of required receptacles and lighting. Any existing HVAC and exterior lighting and signage would be added up and give you a rudimentary load calculation.
And I am 99% sure of Larry's 99% that this most basic load calculation will result in an amperage of less than 205 amps and the ability to use 250 MCM with a 225 amp fused disconnect.
The final connected loads for whatever is built could be 35 amps could be a 135 amps. For the extra roughly $50 of wire and $0 of extra labor involved, I would go ahead and give them a 225 amp panel that can carry 225 amps.
Edited to add... I miss Don's post, number 23, and David's post right after... they said it much more succinctly than I did.