Lending by market · Nationwide
First-position loans, state by state.
Business-purpose loans on commercial and multifamily real estate nationwide. Choose a state or one of 176 metro pages for local context and a direct request form.
Coverage
Geography is not a screening criterion.
A transitional property with a credible plan is worth reviewing wherever it sits. What decides a loan is the collateral, the basis, the sponsor and the exit — not whether the property is in a top-ten metro.
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.
Southeast
8 statesWest
4 statesSouth Central
4 statesMountain West
5 statesNortheast
9 statesMid-Atlantic
5 statesMidwest
10 statesQuestions
National lending, answered.
- Does Stokley Capital lend nationally?
- Yes. We review first-position, business-purpose commercial and multifamily loan requests nationwide, subject to state requirements.
- Are secondary and tertiary markets in scope?
- Yes. A property outside a major metro is underwritten the same way — from how it actually operates and whether the exit is credible.
- What loan sizes do you make?
- Typically $1M–$5M. Larger loans are considered.
- Do you also buy property?
- Yes. Stokley acquires commercial and multifamily real estate nationwide as a principal, across asset classes.
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
Bring us the property, wherever it is.
Send the property, the amount and the deadline. A principal will respond directly.