Southeast · Statewide · First lien
Commercial real estate loans in North Carolina.
First-position hard money and bridge loans on commercial and multifamily property in North Carolina — typically $1M–$5M, larger considered. Reviewed and decided directly by the principals.
Market context
The North Carolina economy behind the collateral.
North Carolina combines banking headquarters in Charlotte, the Research Triangle's technology and life sciences cluster, and a legacy manufacturing and furniture base in the Piedmont. Port access at Wilmington and a growing logistics network support statewide industrial demand.
Leading sectors
- Banking and finance
- Technology and life sciences
- Advanced manufacturing
- Logistics and distribution
- Higher education
- Tourism
Stokley Capital reviews financing for office and industrial assets across the Piedmont and coastal logistics markets, working directly as a principal on acquisition and value-add requests.
By property type
North Carolina 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 North Carolina 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 North Carolina? 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
North Carolina loan request.
Questions
North Carolina lending, answered.
- Does Stokley Capital provide loans in North Carolina?
- Yes. We provide first-position, business-purpose loans on commercial and multifamily property in North Carolina — typically $1M–$5M, with larger loans considered.
- Does Stokley buy property in North Carolina?
- 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 North Carolina loan requests do you see?
- Stokley Capital reviews financing for office and industrial assets across the Piedmont and coastal logistics markets, working directly as a principal on acquisition and value-add requests.
- What should a North Carolina 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 North Carolina property to finance?
Send the property, the amount and the deadline. A principal will respond directly.