South Central · Texas · First lien
Commercial real estate loans in Houston, TX.
First-position hard money and bridge loans on commercial and multifamily property in Houston, Texas — typically $1M–$5M, larger considered. Reviewed and decided directly by the principals.
Market context
The Houston economy behind the collateral.
Houston is a global center for energy, petrochemicals, and medical research, with one of the largest ports in the country supporting international trade.
Texas has one of the largest and most diverse state economies in the country, spanning energy, technology, healthcare, aerospace, and international trade. Its major metros function as independent economic centers with distinct industry bases, supported by extensive port, rail and highway infrastructure.
Economic anchors
- Port of Houston
- Texas Medical Center
- Johnson Space Center
- Energy sector corporate headquarters
Funding requests commonly involve industrial and warehouse assets near the port and healthcare-adjacent commercial development.
By property type
Texas 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 Houston 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 Houston? 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
Houston, TX loan request.
Questions
Houston, TX lending, answered.
- Does Stokley Capital provide loans in Houston, TX?
- Yes. We provide first-position, business-purpose loans on commercial and multifamily property in Houston, Texas — typically $1M–$5M, with larger loans considered.
- Does Stokley buy property in Houston, TX?
- 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 Houston loan requests do you see?
- Funding requests commonly involve industrial and warehouse assets near the port and healthcare-adjacent commercial development.
- What should a Houston 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 Houston property to finance?
Send the property, the amount and the deadline. A principal will respond directly.