Mid-Atlantic · Maryland · First lien
Commercial real estate loans in Baltimore, MD.
First-position hard money and bridge loans on commercial and multifamily property in Baltimore, Maryland — typically $1M–$5M, larger considered. Reviewed and decided directly by the principals.
Market context
The Baltimore economy behind the collateral.
Baltimore's economy centers on port and marine terminal operations, healthcare systems including Johns Hopkins, and a legacy manufacturing base transitioning toward logistics and life sciences.
Maryland's economy is anchored by federal government activity, defense and cybersecurity contracting, and the Port of Baltimore, one of the busiest East Coast gateways for autos and roll-on/roll-off cargo. Life sciences and biotechnology cluster around the National Institutes of Health and Johns Hopkins University, supported by a dense network of research institutions.
Economic anchors
- Port of Baltimore
- Johns Hopkins University and Hospital
- BWI Thurgood Marshall Airport
- University of Maryland Medical System
Financing needs here often involve industrial space near port infrastructure and value-add repositioning of older urban commercial buildings.
By property type
Maryland 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 Baltimore 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 Baltimore? 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
Baltimore, MD loan request.
Questions
Baltimore, MD lending, answered.
- Does Stokley Capital provide loans in Baltimore, MD?
- Yes. We provide first-position, business-purpose loans on commercial and multifamily property in Baltimore, Maryland — typically $1M–$5M, with larger loans considered.
- Does Stokley buy property in Baltimore, MD?
- 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 Baltimore loan requests do you see?
- Financing needs here often involve industrial space near port infrastructure and value-add repositioning of older urban commercial buildings.
- What should a Baltimore 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.
Other Maryland markets
Next step
Have a Baltimore property to finance?
Send the property, the amount and the deadline. A principal will respond directly.