Mountain West · Montana · First lien
Commercial real estate loans in Billings, MT.
First-position hard money and bridge loans on commercial and multifamily property in Billings, Montana — typically $1M–$5M, larger considered. Reviewed and decided directly by the principals.
Market context
The Billings economy behind the collateral.
Billings functions as Montana's largest commercial center, supported by agribusiness, energy, and healthcare serving a broad regional trade area.
Montana's economy is built on agriculture, natural resource extraction, and a growing tourism sector centered on outdoor recreation near Yellowstone and Glacier National Parks. Healthcare and small-scale manufacturing round out regional economic centers.
Economic anchors
- Billings Logan International Airport
- Billings Clinic
- BNSF rail hub
Financing needs often involve retail and healthcare-adjacent commercial space serving the surrounding region.
By property type
Montana 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 Billings 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 Billings? 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
Billings, MT loan request.
Questions
Billings, MT lending, answered.
- Does Stokley Capital provide loans in Billings, MT?
- Yes. We provide first-position, business-purpose loans on commercial and multifamily property in Billings, Montana — typically $1M–$5M, with larger loans considered.
- Does Stokley buy property in Billings, MT?
- 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 Billings loan requests do you see?
- Financing needs often involve retail and healthcare-adjacent commercial space serving the surrounding region.
- What should a Billings 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 Montana markets
Nearby states
Next step
Have a Billings property to finance?
Send the property, the amount and the deadline. A principal will respond directly.