Northeast · Pennsylvania · First lien
Commercial real estate loans in Philadelphia, PA.
First-position hard money and bridge loans on commercial and multifamily property in Philadelphia, Pennsylvania — typically $1M–$5M, larger considered. Reviewed and decided directly by the principals.
Market context
The Philadelphia economy behind the collateral.
Philadelphia is a major healthcare and higher education center, home to the University of Pennsylvania and its health system, alongside a growing life sciences cluster.
Pennsylvania's economy spans Philadelphia's healthcare and education institutions, Pittsburgh's technology and healthcare research base, and logistics corridors serving the mid-Atlantic through the Lehigh Valley and Harrisburg.
Economic anchors
- University of Pennsylvania and Penn Medicine
- Philadelphia International Airport
- Comcast headquarters
Stokley Capital considers financing for medical office, lab, and mixed-use assets tied to Philadelphia's healthcare and education base.
By property type
Pennsylvania 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 Philadelphia 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 Philadelphia? 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
Philadelphia, PA loan request.
Questions
Philadelphia, PA lending, answered.
- Does Stokley Capital provide loans in Philadelphia, PA?
- Yes. We provide first-position, business-purpose loans on commercial and multifamily property in Philadelphia, Pennsylvania — typically $1M–$5M, with larger loans considered.
- Does Stokley buy property in Philadelphia, PA?
- 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 Philadelphia loan requests do you see?
- Stokley Capital considers financing for medical office, lab, and mixed-use assets tied to Philadelphia's healthcare and education base.
- What should a Philadelphia 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 Philadelphia property to finance?
Send the property, the amount and the deadline. A principal will respond directly.