Southeast · Tennessee · First lien
Commercial real estate loans in Chattanooga, TN.
First-position hard money and bridge loans on commercial and multifamily property in Chattanooga, Tennessee — typically $1M–$5M, larger considered. Reviewed and decided directly by the principals.
Market context
The Chattanooga economy behind the collateral.
Chattanooga has diversified from its manufacturing roots into logistics, insurance, and technology, aided by its position at the junction of major interstates and rail lines.
Tennessee's economy blends healthcare management, automotive and advanced manufacturing, logistics, and a music and entertainment industry anchored in Nashville. The state's central location along interstate corridors and absence of a state income tax have drawn corporate relocations and distribution investment.
Economic anchors
- Volkswagen Chattanooga assembly plant
- BlueCross BlueShield of Tennessee headquarters
- Tennessee Valley Railroad
- Chattanooga State Community College
Common funding needs include industrial site development tied to auto supply chains and redevelopment of downtown commercial buildings.
By property type
Tennessee 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 Chattanooga 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 Chattanooga? 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
Chattanooga, TN loan request.
Questions
Chattanooga, TN lending, answered.
- Does Stokley Capital provide loans in Chattanooga, TN?
- Yes. We provide first-position, business-purpose loans on commercial and multifamily property in Chattanooga, Tennessee — typically $1M–$5M, with larger loans considered.
- Does Stokley buy property in Chattanooga, TN?
- 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 Chattanooga loan requests do you see?
- Common funding needs include industrial site development tied to auto supply chains and redevelopment of downtown commercial buildings.
- What should a Chattanooga 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 Chattanooga property to finance?
Send the property, the amount and the deadline. A principal will respond directly.