Southeast · Alabama · First lien
Commercial real estate loans in Mobile, AL.
First-position hard money and bridge loans on commercial and multifamily property in Mobile, Alabama — typically $1M–$5M, larger considered. Reviewed and decided directly by the principals.
Market context
The Mobile economy behind the collateral.
Mobile is anchored by the Port of Mobile and shipbuilding industry, giving it a maritime and heavy manufacturing base along the Gulf Coast.
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.
Economic anchors
- Port of Mobile
- Austal USA shipyard
- Airbus Mobile manufacturing facility
- University of South Alabama
Stokley Capital reviews requests for industrial and port-adjacent logistics space as well as hospitality assets tied to Mobile's Gulf Coast tourism draw.
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 Mobile 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 Mobile? 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
Mobile, AL loan request.
Questions
Mobile, AL lending, answered.
- Does Stokley Capital provide loans in Mobile, AL?
- Yes. We provide first-position, business-purpose loans on commercial and multifamily property in Mobile, Alabama — typically $1M–$5M, with larger loans considered.
- Does Stokley buy property in Mobile, AL?
- 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 Mobile loan requests do you see?
- Stokley Capital reviews requests for industrial and port-adjacent logistics space as well as hospitality assets tied to Mobile's Gulf Coast tourism draw.
- What should a Mobile 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 Mobile property to finance?
Send the property, the amount and the deadline. A principal will respond directly.