Mid-Atlantic · Virginia · First lien
Commercial real estate loans in Richmond, VA.
First-position hard money and bridge loans on commercial and multifamily property in Richmond, Virginia — typically $1M–$5M, larger considered. Reviewed and decided directly by the principals.
Market context
The Richmond economy behind the collateral.
Richmond serves as Virginia's state capital and a regional center for finance, healthcare, and logistics along the I-95 corridor.
Virginia's economy is shaped by federal government activity and defense spending in Northern Virginia and Hampton Roads, a major port and naval complex, and growing data center and technology investment. The state also maintains a broad base in agriculture and higher education.
Economic anchors
- Virginia State Capitol
- Federal Reserve Bank of Richmond
- VCU Medical Center
- Port of Richmond
Financing activity includes office repositioning downtown and industrial development along the I-95 logistics corridor.
By property type
Virginia 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 Richmond 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 Richmond? 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
Richmond, VA loan request.
Questions
Richmond, VA lending, answered.
- Does Stokley Capital provide loans in Richmond, VA?
- Yes. We provide first-position, business-purpose loans on commercial and multifamily property in Richmond, Virginia — typically $1M–$5M, with larger loans considered.
- Does Stokley buy property in Richmond, VA?
- 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 Richmond loan requests do you see?
- Financing activity includes office repositioning downtown and industrial development along the I-95 logistics corridor.
- What should a Richmond 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 Virginia markets
Next step
Have a Richmond property to finance?
Send the property, the amount and the deadline. A principal will respond directly.