Southeast · Mixed-Use · First lien
Mixed-use hard money loans in North Carolina.
First-position mixed-use loans across North Carolina — typically $1M–$5M, larger considered — for acquisitions, maturities, bridge and value-add plans. Reviewed and decided directly by the principals.
North Carolina market context
The economy behind the collateral.
North Carolina combines banking headquarters in Charlotte, the Research Triangle's technology and life sciences cluster, and a legacy manufacturing and furniture base in the Piedmont. Port access at Wilmington and a growing logistics network support statewide industrial demand.
- Banking and finance
- Technology and life sciences
- Advanced manufacturing
- Logistics and distribution
- Higher education
- Tourism
Mixed-Use underwriting
What we look at first.
- 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 North Carolina.
- 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 North Carolina? Stokley also buys real estate as a principal. Submit it for acquisition.
North Carolina metros
Local lending pages.
We lend across North Carolina, 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
North Carolina mixed-use loan request.
Questions
North Carolina mixed-use loans, answered.
- Does Stokley Capital make mixed-use loans in North Carolina?
- Yes. We make first-position mixed-use hard money and bridge loans throughout North Carolina, including Charlotte, Raleigh, Durham, Greensboro and smaller markets.
- How large are your North Carolina mixed-use loans?
- Typically $1M–$5M, first lien. Larger loans are considered.
- What should a North Carolina 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 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 North Carolina
Next step
Financing mixed-use in North Carolina?
Send the property, amount and deadline. A principal will respond directly.