Southeast · Industrial · First lien
Industrial hard money loans in Kentucky.
First-position industrial loans across Kentucky — typically $1M–$5M, larger considered — for acquisitions, maturities, bridge and value-add plans. Reviewed and decided directly by the principals.
Stokley 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.
Kentucky market context
The economy behind the collateral.
Kentucky's central location has made it a national air cargo and logistics hub, led by Louisville's UPS Worldport, while horse-racing tourism, bourbon production, and automotive manufacturing round out the state's economic base.
- Air cargo and logistics
- Automotive manufacturing
- Bourbon and food production
- Healthcare
- Equine and tourism
Industrial underwriting
What we look at first.
- 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
Industrial loans we see in Kentucky.
- 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 in Kentucky? Stokley also buys real estate as a principal. Submit it for acquisition.
Kentucky metros
Local lending pages.
We lend across Kentucky, not only in these metros. Each page covers the local economy and a direct request form.
Hard money lending guidelines
- 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
Kentucky industrial loan request.
Questions
Kentucky industrial loans, answered.
- Does Stokley Capital make industrial loans in Kentucky?
- Yes. We make first-position industrial hard money and bridge loans throughout Kentucky, including Louisville, Lexington, Bowling Green and smaller markets.
- How large are your Kentucky industrial loans?
- Typically $1M–$5M, first lien. Larger loans are considered.
- What should a Kentucky industrial loan request include?
- Property address, 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.
- Are you a broker?
- No. Stokley Capital is a private real estate owner-operator that provides business-purpose loans. Decisions are made by the principals.
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 property types in Kentucky
Industrial loans nearby
Next step
Financing industrial in Kentucky?
Send the property, amount and deadline. A principal will respond directly.