Northeast · Massachusetts · First lien
Commercial real estate loans in Cambridge, MA.
First-position hard money and bridge loans on commercial and multifamily property in Cambridge, Massachusetts — typically $1M–$5M, larger considered. Reviewed and decided directly by the principals.
Market context
The Cambridge economy behind the collateral.
Cambridge is a global center for biotechnology and technology research, anchored by Harvard University and the Massachusetts Institute of Technology, drawing dense lab and office demand.
Massachusetts is driven by higher education, biotechnology and life sciences research, and financial and technology services concentrated in the Boston metropolitan area. The state's port and healthcare institutions add further diversification to a knowledge-based economy.
Economic anchors
- Harvard University
- Massachusetts Institute of Technology
- Kendall Square biotech cluster
Capital requests commonly involve lab-office conversions and infill redevelopment adjacent to major research institutions.
By property type
Massachusetts 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 Cambridge 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 Cambridge? 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
Cambridge, MA loan request.
Questions
Cambridge, MA lending, answered.
- Does Stokley Capital provide loans in Cambridge, MA?
- Yes. We provide first-position, business-purpose loans on commercial and multifamily property in Cambridge, Massachusetts — typically $1M–$5M, with larger loans considered.
- Does Stokley buy property in Cambridge, MA?
- 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 Cambridge loan requests do you see?
- Capital requests commonly involve lab-office conversions and infill redevelopment adjacent to major research institutions.
- What should a Cambridge 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 Massachusetts markets
Next step
Have a Cambridge property to finance?
Send the property, the amount and the deadline. A principal will respond directly.