Southeast · South Carolina · First lien
Commercial real estate loans in Columbia, SC.
First-position hard money and bridge loans on commercial and multifamily property in Columbia, South Carolina — typically $1M–$5M, larger considered. Reviewed and decided directly by the principals.
Market context
The Columbia economy behind the collateral.
Columbia serves as South Carolina's state capital and home to the University of South Carolina, supporting government and education-driven commercial demand.
South Carolina's economy is anchored by advanced manufacturing tied to automotive and aerospace plants, deepwater port operations at Charleston, and a growing coastal tourism sector.
Economic anchors
- University of South Carolina
- South Carolina state government
- Fort Jackson
Stokley Capital reviews requests for office and multifamily assets tied to Columbia's government and university employment base.
By property type
South 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 Columbia 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 Columbia? 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
Columbia, SC loan request.
Questions
Columbia, SC lending, answered.
- Does Stokley Capital provide loans in Columbia, SC?
- Yes. We provide first-position, business-purpose loans on commercial and multifamily property in Columbia, South Carolina — typically $1M–$5M, with larger loans considered.
- Does Stokley buy property in Columbia, SC?
- 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 Columbia loan requests do you see?
- Stokley Capital reviews requests for office and multifamily assets tied to Columbia's government and university employment base.
- What should a Columbia 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 South Carolina markets
Next step
Have a Columbia property to finance?
Send the property, the amount and the deadline. A principal will respond directly.