Northeast · Mixed-Use · First lien
Mixed-use hard money loans in New Jersey (NJ).
First-position mixed-use loans across New Jersey (NJ). 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. Reviewed and decided directly by the principals.
Yes. Stokley Capital makes first-position mixed-use hard money and bridge loans across New Jersey (NJ), 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 loan is business-purpose and subject to underwriting.
New Jersey market context
The economy behind the collateral.
New Jersey's economy is defined by its position within the New York and Philadelphia metropolitan corridors, supporting extensive port, rail, and highway logistics, pharmaceutical and life sciences manufacturing, and corporate headquarters activity. Dense population and transportation infrastructure drive continuous industrial and multifamily demand.
- Port and logistics
- Pharmaceuticals and life sciences
- Corporate headquarters
- Financial services
- Manufacturing
- Healthcare
Mixed-Use 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.
- Income split and stability by component
- Residential rents and commercial tenancy
- Zoning, condo structure and separate metering
- Local foot traffic and neighborhood trajectory
- Capital needs across the building
Situations
Mixed-use loans we see in New Jersey.
- Refinancing buildings that do not fit a single lender category
- Acquisitions needing speed ahead of a competing buyer
- Commercial lease-up beneath stabilized residential
- Renovation of older main-street buildings
Selling a mixed-use property in New Jersey? Stokley Capital is also a real estate investment firm. We acquire, own and operate real estate across the United States. Submit it for acquisition.
New Jersey metros
Local lending pages.
We lend across New Jersey, not only in these metros. Each page covers the local economy and a direct request form.
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.
Request loan terms
New Jersey mixed-use loan request.
Questions
New Jersey mixed-use loans, answered.
- Does Stokley Capital make mixed-use loans in New Jersey?
- Yes. We make first-position mixed-use hard money and bridge loans throughout New Jersey (NJ), including Newark, Jersey City, Trenton, Edison and smaller markets.
- How large are your New Jersey mixed-use loans?
- 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 should a New Jersey mixed-use 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 direct private lender. Requests are reviewed and decided in-house.
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 New Jersey
Next step
Financing mixed-use in New Jersey?
Send the property, amount and deadline. A principal will respond directly.