Midwest · Minnesota · First lien
Commercial real estate loans in Rochester, MN.
First-position hard money and bridge loans on commercial and multifamily property in Rochester, Minnesota — typically $1M–$5M, larger considered. Reviewed and decided directly by the principals.
Market context
The Rochester economy behind the collateral.
Rochester's economy is dominated by the Mayo Clinic, driving demand for medical office, hospitality, and supporting commercial development.
Minnesota's economy is led by healthcare and medical technology, agribusiness processing, and corporate headquarters activity concentrated in the Minneapolis-St. Paul metro. The state also benefits from Mississippi River shipping and a strong logistics network.
Economic anchors
- Mayo Clinic
- Rochester International Airport
- Destination Medical Center initiative
Capital requests typically involve medical office and hospitality assets supporting patient and visitor demand tied to the clinic.
By property type
Minnesota 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 Rochester 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 Rochester? 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
Rochester, MN loan request.
Questions
Rochester, MN lending, answered.
- Does Stokley Capital provide loans in Rochester, MN?
- Yes. We provide first-position, business-purpose loans on commercial and multifamily property in Rochester, Minnesota — typically $1M–$5M, with larger loans considered.
- Does Stokley buy property in Rochester, MN?
- 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 Rochester loan requests do you see?
- Capital requests typically involve medical office and hospitality assets supporting patient and visitor demand tied to the clinic.
- What should a Rochester 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 Minnesota markets
Next step
Have a Rochester property to finance?
Send the property, the amount and the deadline. A principal will respond directly.