Northeast · New York · First lien
Commercial real estate loans in Buffalo, NY.
First-position hard money and bridge loans on commercial and multifamily property in Buffalo, New York — typically $1M–$5M, larger considered. Reviewed and decided directly by the principals.
Market context
The Buffalo economy behind the collateral.
Buffalo's economy is rebuilding around healthcare, higher education, and advanced manufacturing, supported by its position on the Peace Bridge crossing to Canada.
New York's economy spans global finance and media concentrated in New York City, upstate manufacturing and higher education hubs, and logistics corridors along the Thruway and Hudson Valley. The state supports one of the nation's largest and most varied commercial property markets.
Economic anchors
- University at Buffalo
- Peace Bridge
- Kaleida Health system
- Buffalo Niagara International Airport
Stokley Capital reviews requests for industrial and office repositioning tied to Buffalo's cross-border trade and healthcare employment base.
By property type
New York 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 Buffalo 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 Buffalo? 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
Buffalo, NY loan request.
Questions
Buffalo, NY lending, answered.
- Does Stokley Capital provide loans in Buffalo, NY?
- Yes. We provide first-position, business-purpose loans on commercial and multifamily property in Buffalo, New York — typically $1M–$5M, with larger loans considered.
- Does Stokley buy property in Buffalo, NY?
- 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 Buffalo loan requests do you see?
- Stokley Capital reviews requests for industrial and office repositioning tied to Buffalo's cross-border trade and healthcare employment base.
- What should a Buffalo 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 Buffalo property to finance?
Send the property, the amount and the deadline. A principal will respond directly.