South Central · Texas · First lien
Commercial real estate loans in Lubbock, TX.
First-position hard money and bridge loans on commercial and multifamily property in Lubbock, Texas — typically $1M–$5M, larger considered. Reviewed and decided directly by the principals.
Market context
The Lubbock economy behind the collateral.
Lubbock serves as a regional hub for agriculture, particularly cotton production, along with healthcare and higher education.
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
- Texas Tech University
- Lubbock agricultural trade base
- Covenant Health System
Typical funding situations include student housing near campus and commercial assets serving the regional agricultural economy.
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 Lubbock 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 Lubbock? 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
Lubbock, TX loan request.
Questions
Lubbock, TX lending, answered.
- Does Stokley Capital provide loans in Lubbock, TX?
- Yes. We provide first-position, business-purpose loans on commercial and multifamily property in Lubbock, Texas — typically $1M–$5M, with larger loans considered.
- Does Stokley buy property in Lubbock, 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 Lubbock loan requests do you see?
- Typical funding situations include student housing near campus and commercial assets serving the regional agricultural economy.
- What should a Lubbock 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 Lubbock property to finance?
Send the property, the amount and the deadline. A principal will respond directly.