Northeast · Statewide · First lien
Commercial real estate loans in New Jersey.
First-position hard money and bridge loans on commercial and multifamily property in New Jersey — typically $1M–$5M, larger considered. Reviewed and decided directly by the principals.
Market context
The New Jersey economy behind the collateral.
New Jersey's economy is defined by its position within the New York and Philadelphia metropolitan corridors, supporting extensive port, rail, and highway logistics, pharmaceutical and life sciences manufacturing, and corporate headquarters activity. Dense population and transportation infrastructure drive continuous industrial and multifamily demand.
Leading sectors
- Port and logistics
- Pharmaceuticals and life sciences
- Corporate headquarters
- Financial services
- Manufacturing
- Healthcare
Stokley Capital reviews requests for industrial and last-mile distribution assets tied to the Port of New York and New Jersey and repositioning of office and retail properties across the state's dense commuter corridors.
By property type
New Jersey 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 New Jersey 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 New Jersey? 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
New Jersey loan request.
Questions
New Jersey lending, answered.
- Does Stokley Capital provide loans in New Jersey?
- Yes. We provide first-position, business-purpose loans on commercial and multifamily property in New Jersey — typically $1M–$5M, with larger loans considered.
- Does Stokley buy property in New Jersey?
- 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 New Jersey loan requests do you see?
- Stokley Capital reviews requests for industrial and last-mile distribution assets tied to the Port of New York and New Jersey and repositioning of office and retail properties across the state's dense commuter corridors.
- What should a New Jersey 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.
Next step
Have a New Jersey property to finance?
Send the property, the amount and the deadline. A principal will respond directly.