Direct private lender
Creative financing, funded on your timeline.
Nationwide bridge and hard money loans from $500,000 to $5 million, with larger loans considered case by case. You work directly with the lender, and we build the structure around your deal.
The situation
When the bank says no, or not yet
Most deals that reach us are good deals with a problem: a hard closing date, a loan coming due, a property mid-renovation, or a story that doesn't fit a bank's checklist. We lend on the real estate as it stands today, so the projections a bank would ask for matter less here.
Structure
We look for a way before we pass
If the loan you asked for doesn't work, we don't just decline it. We look at what would work: a smaller first-position loan, new equity, a negotiated payoff or added collateral. We'll tell you straight if it doesn't fit.
Deals
Deals we're built for
- Purchases with a hard closing date
- Refinancing a maturing or defaulted loan
- Bridge to stabilization, sale or permanent debt
- Cash-out against existing equity
- Renovation, repositioning and value-add
- Partner buyouts and recapitalizations
- Discounted note payoffs and lender deadlines
Lending
Loan types
Hard money loans
Short-term, first-position capital based on the property and a clear exit.
Bridge loans
Carry a property through lease-up, renovation or a maturity until its next financing.
Acquisition loans
Buy the property under contract when the timeline or condition doesn't suit a conventional lender.
Value-add loans
Fund a renovation, re-tenanting or repositioning plan with a defined exit.
Brokers and referrers
If you have a client a bank can't close in time, send the deal.
You'll work with a direct lender, not a middleman, and your client relationship stays yours.
Property types
Property types for a loan request.
We lend on most commercial and multifamily property nationwide.
Multifamily
Apartment communities from garden-style to mid-rise, stabilized or in transition. Multifamily is the asset we know best as an owner-operator, which is why it is the core of our lending.
Hotels & Hospitality
Flagged and independent hotels, select-service to full-service. We have owned hotels. The loan is sized to as-is value, not to NOI or a projection.
Retail
Neighborhood and community centers, strip retail, single-tenant and pad sites. We have owned and leased retail, so tenancy and rollover are underwritten tenant by tenant.
Office
Suburban and urban office, medical office and flex. Conventional office lending has largely retreated; we still lend where basis and a leasing plan are credible.
Industrial
Warehouse, distribution, light manufacturing, flex and small-bay industrial. Functional utility and the tenant base drive the decision.
Mixed-Use
Ground-floor retail with residential or office above, in urban and main-street locations. The loan is sized to the building's as-is value.
Self-Storage
Climate-controlled and drive-up self-storage, including conversions and expansions. The loan is sized to as-is value.
Manufactured Housing
Manufactured housing and mobile home communities. Lot-rent economics, infrastructure and ownership of homes are the key variables.
Senior Housing
Independent living, assisted living, memory care and 55+ active adult communities. Licensing and the operator's record are part of diligence. The loan amount follows as-is value, not NOI or a projection.
Data Centers
Stokley Capital reviews data center submissions from brokers and owners. Send the property, the amount and the location. We may decline.
Markets
Lending nationwide
Find your state or metro for local details and a request form.
Browse all states and metros
Real estate
We also own real estate.
Beyond lending, Stokley Capital acquires, owns and operates real estate across the US, in every major asset class. That experience as owners shapes how we look at your deal.
- Multifamily
- Hotels
- Retail
- Office
- Industrial
- Mixed-use
Next step
Have a deal that needs a lender?
Send the basics and get a straight answer.