Northeast · New York · First lien
Commercial real estate loans in Rochester, NY.
First-position hard money and bridge loans on commercial and multifamily property in Rochester, New York — typically $1M–$5M, larger considered. Reviewed and decided directly by the principals.
Market context
The Rochester economy behind the collateral.
Rochester's economy has shifted from legacy imaging manufacturing toward optics, photonics, and healthcare research, anchored by the University of Rochester.
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 of Rochester and Strong Memorial Hospital
- Rochester Institute of Technology
- Optics and photonics cluster
Stokley Capital evaluates funding for office and flex-industrial assets serving Rochester's healthcare and technology research 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 Rochester 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 Rochester? 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
Rochester, NY loan request.
Questions
Rochester, NY lending, answered.
- Does Stokley Capital provide loans in Rochester, NY?
- Yes. We provide first-position, business-purpose loans on commercial and multifamily property in Rochester, New York — typically $1M–$5M, with larger loans considered.
- Does Stokley buy property in Rochester, 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 Rochester loan requests do you see?
- Stokley Capital evaluates funding for office and flex-industrial assets serving Rochester's healthcare and technology research base.
- What should a Rochester 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 Rochester property to finance?
Send the property, the amount and the deadline. A principal will respond directly.