Real collateral
A specific property with a supportable value and a clear current condition.
Lending · First lien · Nationwide
Private capital for real estate that needs a decision.
First-position loans on commercial and multifamily property, typically $1M–$5M with larger loans considered. We underwrite as owner-operators and decide in-house.
Loan programs
Four ways the same first-lien capital gets used.
Program names matter less than the problem the loan solves and how it gets repaid.
Hard money loans
Asset-based first-lien loans when speed and certainty matter more than the lowest coupon.
Bridge loans
Carry a property through lease-up, renovation or a maturity to its permanent financing or sale.
Acquisition loans
Close on a property under contract when the timeline or condition doesn't suit a bank.
Value-add loans
Capital tied to a defined renovation, re-tenanting or repositioning plan.
Hard money lending guidelines
Asset-based financing. We focus on the property's value and the owner's equity, not a credit score. Low credit does not rule out a request. Every deal is subject to underwriting.
- Annual rate
- From 11.5%
- Origination
- From 2% of the loan amount
- Term
- 6 to 12 months
- Payments
- Interest only
- Loan-to-value
- Up to 70%
- Lien position
- First position only
Third party closing costs are separate.
Every term sheet is different. Every deal goes through underwriting and has specific terms. These are guidelines, not a commitment to lend.
Fit
What moves a request forward.
A defined need
An amount, a use of proceeds and a deadline — not a general search for liquidity.
A capable sponsor
Someone with the experience and capacity to execute the plan.
A credible exit
A realistic sale, refinance or stabilization that repays the loan.
Situations
Where we're most useful.
- Acquisitions with a hard closing date
- Refinance of a maturing or defaulted loan
- Bridge to stabilization, sale or permanent debt
- Cash-out against existing equity
- Renovation, repositioning and value-add capital
- Partner buyouts and recapitalizations
- Discounted note payoffs and lender-driven deadlines
- Situations a bank or agency lender will not close in time
By property type
Assets we've owned — and lend on.
By market
Nationwide.
State and metro pages with local context and a request form.
Browse lending by marketProcess
From request to close.
- 01
Submit
Property, location, amount, purpose and deadline. No application fee.
- 02
Screen
A principal confirms fit and tells you exactly what else is needed.
- 03
Underwrite
Operations, basis, structure, sponsor and exit.
- 04
Close
Diligence, documents and funding through one coordinated process.
Request loan terms
Tell us about the property and the loan.
- What is Stokley Capital's credit box?
- First-position loans secured by commercial and multifamily real estate, typically $1M–$5M, with larger loans considered, anywhere in the United States.
- Who borrows from Stokley?
- Owners, sponsors and operators who need capital faster or on a property in a condition that a bank, credit union or agency lender won't finance — and the brokers who represent them.
- How do you decide?
- On the property, the basis, the business plan and the exit. The people who review the request are the people who approve it.
Nothing on this website is an offer to lend or a commitment of capital. All loans are subject to underwriting, due diligence, documentation and approval. Published lending guidelines are for general guidance only. Every deal goes through underwriting and has specific terms.
Next step
Send the property and the situation.
A principal will tell you directly whether it fits.