Southeast · Florida · First lien
Commercial real estate loans in Jacksonville, FL.
First-position hard money and bridge loans on commercial and multifamily property in Jacksonville, Florida — typically $1M–$5M, larger considered. Reviewed and decided directly by the principals.
Market context
The Jacksonville economy behind the collateral.
Jacksonville's economy is anchored by a large port and naval presence, insurance and financial services, and a growing logistics sector.
Florida's economy is anchored by tourism, international trade through its port and airport network, and a growing base of finance and technology firms relocating to the state, alongside significant retirement and second-home housing demand.
Economic anchors
- Port of Jacksonville
- Naval Station Mayport
- Naval Air Station Jacksonville
- major insurance company headquarters
Stokley Capital reviews requests for industrial and logistics space near the port and multifamily assets tied to Jacksonville's naval and insurance workforce.
By property type
Florida 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 Jacksonville 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 Jacksonville? 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
Jacksonville, FL loan request.
Questions
Jacksonville, FL lending, answered.
- Does Stokley Capital provide loans in Jacksonville, FL?
- Yes. We provide first-position, business-purpose loans on commercial and multifamily property in Jacksonville, Florida — typically $1M–$5M, with larger loans considered.
- Does Stokley buy property in Jacksonville, FL?
- 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 Jacksonville loan requests do you see?
- Stokley Capital reviews requests for industrial and logistics space near the port and multifamily assets tied to Jacksonville's naval and insurance workforce.
- What should a Jacksonville 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 Jacksonville property to finance?
Send the property, the amount and the deadline. A principal will respond directly.