Southeast · Mixed-Use · First lien
Mixed-use hard money loans in North Carolina (NC).
First-position mixed-use loans across North Carolina (NC). 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 North Carolina (NC), 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.
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
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 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 Capital is also a real estate investment firm. We acquire, own and operate real estate across the United States. 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
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
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 (NC), including Charlotte, Raleigh, Durham, Greensboro and smaller markets.
- How large are your North Carolina 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 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 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 North Carolina
Next step
Financing mixed-use in North Carolina?
Send the property, amount and deadline. A principal will respond directly.