Southeast · Statewide · First lien
Commercial real estate loans in Alabama.
First-position hard money and bridge loans on commercial and multifamily property in Alabama — typically $1M–$5M, larger considered. Reviewed and decided directly by the principals.
Market context
The Alabama economy behind the collateral.
Alabama's economy combines advanced manufacturing, aerospace and defense with a growing logistics base tied to its river and rail systems. Auto assembly plants and steel production anchor the industrial corridor from Birmingham to the Gulf, while Huntsville contributes a technology and federal research base built around Redstone Arsenal.
Leading sectors
- Automotive manufacturing
- Aerospace and defense
- Steel and metals
- Logistics and rail freight
- Healthcare
- Agriculture
Stokley Capital reviews requests tied to industrial expansion near manufacturing corridors and repositioning of older multifamily and retail assets in Alabama's metro markets, acting directly as principal.
By property type
Alabama loans by asset class.
We lend on the property types our team has owned and operated. Each page covers what we underwrite first and the situations we see most.
Loan uses
What Alabama borrowers use us for.
- 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
Selling a property in Alabama? Stokley also buys commercial and multifamily real estate as a principal. Submit it for acquisition.
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.
Request loan terms
Alabama loan request.
Questions
Alabama lending, answered.
- Does Stokley Capital provide loans in Alabama?
- Yes. We provide first-position, business-purpose loans on commercial and multifamily property in Alabama — typically $1M–$5M, with larger loans considered.
- Does Stokley buy property in Alabama?
- Yes. Stokley acquires commercial and multifamily real estate as a principal across asset classes. Submit any property for sale and we will review it.
- What kinds of Alabama loan requests do you see?
- Stokley Capital reviews requests tied to industrial expansion near manufacturing corridors and repositioning of older multifamily and retail assets in Alabama's metro markets, acting directly as principal.
- What should a Alabama loan request include?
- Property address and type, loan amount and purpose, current income and occupancy, existing debt, the business plan and the deadline. Rent rolls and operating statements help but are not needed for a first read.
- Do you lend in second position?
- No. Stokley Capital lends in first position only.
- Do you publish rates or leverage?
- Published lending guidelines are for general guidance only. Every deal goes through underwriting and has specific terms.
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
Have a Alabama property to finance?
Send the property, the amount and the deadline. A principal will respond directly.