Industrial · First lien · In most US states
Industrial hard money & bridge loans.
Warehouse, distribution, light manufacturing, flex and small-bay industrial. Functional utility and the tenant base drive the decision.
Yes. Stokley Capital makes first-position, business-purpose industrial hard money and bridge loans in most US states, typically $500,000 to $5 million, with larger loans up to $10 to $15 million considered case by case and no loans under $500,000. Every request is reviewed and decided directly by the principals.
Stokley Capital Intelligence · Updated September 2026
Industrial Vacancy & Market Trends 2026
A sourced view of U.S. warehouse, distribution and small-bay industrial fundamentals, and the financing situations those fundamentals may create for owners and investors.
Underwriting
Sized to as-is value.
Loans are sized to as-is real estate value, in first position, as bridge and hard money. Net operating income and projections do not set the loan amount.
- Clear height, loading, power and site coverage
- Tenant credit and lease rollover
- Market rent relative to in-place rent
- Environmental history and site conditions
- Proximity to highways, ports and labor
Situations
Where we're most useful.
- Vacant or partially vacant buildings in lease-up
- Owner-user acquisitions on a short timeline
- Small-bay and flex portfolios below institutional size
- Maturities on buildings rolling to market rent
Selling a industrial property? Stokley Capital is also a real estate investment firm. We acquire, own and operate real estate across the United States. 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.
- 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.
By state
Industrial loans by state.
State pages combine local economic context with how we approach industrial loans there.
Southwest
Northeast
Request loan terms
Industrial loan request.
Questions
Industrial loans, answered.
- Do you provide industrial hard money loans in most US states?
- Yes. Stokley Capital provides first-position, business-purpose industrial loans in most US states, subject to state requirements.
- What size industrial loans do you make?
- Typical loan size: $500,000 to $5 million. Larger loans up to $10 to $15 million are considered case by case. No loans under $500,000.
- What do you look at first on a industrial loan?
- Clear height, loading, power and site coverage; Tenant credit and lease rollover; Market rent relative to in-place rent.
- Do you take second position?
- No. Every loan is a first lien on the property.
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 industrial loan request?
Send the property, amount and deadline. A principal will respond directly.