Mid-Atlantic · West Virginia · First lien
Commercial real estate loans in Charleston, WV.
First-position hard money and bridge loans on commercial and multifamily property in Charleston, West Virginia — typically $1M–$5M, larger considered. Reviewed and decided directly by the principals.
Market context
The Charleston economy behind the collateral.
Charleston serves as West Virginia's state capital and a regional center for chemical manufacturing, healthcare, and government employment.
West Virginia's economy is historically tied to coal, natural gas and chemical production, with a growing presence in healthcare, tourism, and logistics tied to Appalachian highway corridors. Its terrain has concentrated commercial activity in a smaller number of regional centers.
Economic anchors
- West Virginia State Capitol
- CAMC Health System
- Kanawha Valley chemical industry
Common requests include healthcare-adjacent development and office repositioning tied to government and corporate tenancy.
By property type
West 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 Charleston 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 Charleston? 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
Charleston, WV loan request.
Questions
Charleston, WV lending, answered.
- Does Stokley Capital provide loans in Charleston, WV?
- Yes. We provide first-position, business-purpose loans on commercial and multifamily property in Charleston, West Virginia — typically $1M–$5M, with larger loans considered.
- Does Stokley buy property in Charleston, WV?
- 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 Charleston loan requests do you see?
- Common requests include healthcare-adjacent development and office repositioning tied to government and corporate tenancy.
- What should a Charleston 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 West Virginia markets
Next step
Have a Charleston property to finance?
Send the property, the amount and the deadline. A principal will respond directly.