Northeast · New Jersey · First lien
Commercial real estate loans in Jersey City, NJ.
First-position hard money and bridge loans on commercial and multifamily property in Jersey City, New Jersey — typically $1M–$5M, larger considered. Reviewed and decided directly by the principals.
Market context
The Jersey City economy behind the collateral.
Jersey City has developed into a dense financial services and residential extension of Manhattan, supported by waterfront office towers and transit access.
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.
Economic anchors
- Goldman Sachs Tower
- PATH train system
- Liberty State Park waterfront district
Requests commonly involve high-rise multifamily and office repositioning along the waterfront corridor.
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 Jersey City 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 Jersey City? 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
Jersey City, NJ loan request.
Questions
Jersey City, NJ lending, answered.
- Does Stokley Capital provide loans in Jersey City, NJ?
- Yes. We provide first-position, business-purpose loans on commercial and multifamily property in Jersey City, New Jersey — typically $1M–$5M, with larger loans considered.
- Does Stokley buy property in Jersey City, NJ?
- 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 Jersey City loan requests do you see?
- Requests commonly involve high-rise multifamily and office repositioning along the waterfront corridor.
- What should a Jersey City 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 New Jersey markets
Next step
Have a Jersey City property to finance?
Send the property, the amount and the deadline. A principal will respond directly.