Southeast · First lien · Business-purpose
Hard Money loans in North Carolina (NC).
First-position, business-purpose commercial real estate hard money loans in North Carolina (NC). Minimum loan $500K; $1M–$5M is the sweet spot, with larger loans considered.
Stokley Capital reviews hard money loan requests across North Carolina (NC) - including Charlotte, Raleigh, Durham, Greensboro, Winston-Salem, Asheville and Wilmington - for multifamily, industrial, retail, office, mixed-use, hotel, self-storage and manufactured-housing assets. Asset-based underwriting focuses on the property's value and the borrower's equity, not credit score. Every loan is subject to underwriting, due diligence and approval.
Market context
North Carolina commercial real estate.
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.
Major markets include Charlotte, Raleigh, Durham, Greensboro, Winston-Salem, Asheville, Wilmington.
Asset-based underwriting
Property value and borrower equity.
Hard money lenders evaluate the collateral and the plan for repayment. For requests in North Carolina, Stokley Capital focuses on the property's value and the borrower's equity, not credit score.
- Property value and borrower's equity
- Current debt and first-lien position
- Business plan, deadline and repayment path
By property type
North Carolina hard money loans by asset class.
Local markets
North Carolina city lending pages.
Questions
North Carolina hard money loans, answered.
- Does Stokley Capital provide hard money loans in North Carolina?
- Yes. Stokley Capital provides first-position, business-purpose commercial real estate loans in North Carolina (NC). Requests can come from Charlotte, Raleigh, Durham, Greensboro, Winston-Salem, Asheville, Wilmington and other North Carolina markets. Every request is subject to underwriting.
- What size North Carolina loans do you consider?
- The minimum loan is $500K. $1M–$5M is the sweet spot; larger loans are considered. Every deal has specific terms and is subject to underwriting.
- How does a hard money lender review a property in North Carolina?
- Stokley Capital uses asset-based underwriting: the property's value and the borrower's equity, not credit score. Send the property, existing debt, requested amount, business plan and deadline for review.
- Are these consumer loans in North Carolina?
- No. These are first-position, business-purpose loans secured by commercial or multifamily real estate, not consumer loans or loans on owner-occupied 1–4 family residences. Stokley Capital lends in most US states, subject to state requirements.
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.
Stokley Capital provides business-purpose loans only, made to entities and secured by non-owner-occupied commercial or multifamily (5+ unit) real estate. We do not make consumer loans or loans secured by owner-occupied 1–4 family residences. Loans are not available in every state; where state law requires a license, loans may be made or arranged through an appropriately licensed affiliate or third party, or may not be offered.
Next step
Have a property in North Carolina to finance?
Send the property, the amount and the deadline. A principal will respond directly.