Southwest · New Mexico · First lien
Commercial real estate loans in Santa Fe, NM.
First-position hard money and bridge loans on commercial and multifamily property in Santa Fe, New Mexico — typically $1M–$5M, larger considered. Reviewed and decided directly by the principals.
Market context
The Santa Fe economy behind the collateral.
Santa Fe's economy is built on state government administration, tourism, and the arts and design sector, with a compact downtown commercial core.
New Mexico's economy centers on federal research and defense laboratories, oil and gas production in the Permian Basin, and a growing film and television production sector. Albuquerque anchors the state's technology and logistics base along the Interstate 25 and Interstate 40 corridors.
Economic anchors
- New Mexico state government
- Tourism and arts sector
- Santa Fe Community College
Stokley Capital reviews funding for hospitality and mixed-use repositioning tied to Santa Fe's tourism and government-driven commercial base.
By property type
New Mexico 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 Santa Fe 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 Santa Fe? 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
Santa Fe, NM loan request.
Questions
Santa Fe, NM lending, answered.
- Does Stokley Capital provide loans in Santa Fe, NM?
- Yes. We provide first-position, business-purpose loans on commercial and multifamily property in Santa Fe, New Mexico — typically $1M–$5M, with larger loans considered.
- Does Stokley buy property in Santa Fe, NM?
- 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 Santa Fe loan requests do you see?
- Stokley Capital reviews funding for hospitality and mixed-use repositioning tied to Santa Fe's tourism and government-driven commercial base.
- What should a Santa Fe 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 Mexico markets
Nearby states
Next step
Have a Santa Fe property to finance?
Send the property, the amount and the deadline. A principal will respond directly.