Midwest · Missouri · First lien
Commercial real estate loans in St Louis, MO.
First-position hard money and bridge loans on commercial and multifamily property in St Louis, Missouri — typically $1M–$5M, larger considered. Reviewed and decided directly by the principals.
Market context
The St Louis economy behind the collateral.
St. Louis maintains a diversified economy in biotechnology, financial services, and manufacturing, supported by its position along the Mississippi River and major interstate corridors.
Missouri's economy combines agribusiness and food processing, freight and rail logistics at the crossroads of the country, and corporate headquarters activity in Kansas City and St. Louis. Healthcare and biotechnology research add further depth.
Economic anchors
- Washington University in St. Louis
- Port of St. Louis
- Boeing Defense operations
Common requests involve repositioning of legacy industrial and office buildings and mixed-use redevelopment near river infrastructure.
By property type
Missouri 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 St Louis 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 St Louis? 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
St Louis, MO loan request.
Questions
St Louis, MO lending, answered.
- Does Stokley Capital provide loans in St Louis, MO?
- Yes. We provide first-position, business-purpose loans on commercial and multifamily property in St Louis, Missouri — typically $1M–$5M, with larger loans considered.
- Does Stokley buy property in St Louis, MO?
- 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 St Louis loan requests do you see?
- Common requests involve repositioning of legacy industrial and office buildings and mixed-use redevelopment near river infrastructure.
- What should a St Louis 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 Missouri markets
Next step
Have a St Louis property to finance?
Send the property, the amount and the deadline. A principal will respond directly.