Mid-Atlantic · Office · First lien
Office hard money loans in Maryland.
First-position office loans across Maryland — 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
Office Market 2026: Vacancy & Distress
A structured view of the developments shaping the U.S. office market—and the situations those developments may create for owners, lenders and investors.
Maryland market context
The economy behind the collateral.
Maryland's economy is anchored by federal government activity, defense and cybersecurity contracting, and the Port of Baltimore, one of the busiest East Coast gateways for autos and roll-on/roll-off cargo. Life sciences and biotechnology cluster around the National Institutes of Health and Johns Hopkins University, supported by a dense network of research institutions.
- Federal government and defense
- Port logistics
- Life sciences and biotech
- Healthcare
- Higher education
- Cybersecurity
Office underwriting
What we look at first.
- In-place tenancy, WALT and rollover schedule
- Basis relative to replacement cost and recent trades
- Leasing costs and the realistic absorption timeline
- Building systems, amenities and competitive position
- Alternative-use or conversion potential
Situations
Office loans we see in Maryland.
- Loans maturing into a market where banks will not refinance
- Discounted acquisitions that need to close quickly
- Lease-up capital after a major tenant departure
- Medical office and owner-user transactions
Selling a office property in Maryland? Stokley also buys real estate as a principal. Submit it for acquisition.
Maryland metros
Local lending pages.
We lend across Maryland, 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
Maryland office loan request.
Questions
Maryland office loans, answered.
- Does Stokley Capital make office loans in Maryland?
- Yes. We make first-position office hard money and bridge loans throughout Maryland, including Baltimore, Columbia, Silver Spring, Annapolis and smaller markets.
- How large are your Maryland office loans?
- Typically $1M–$5M, first lien. Larger loans are considered.
- What should a Maryland office 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 Maryland
Office loans nearby
Next step
Financing office in Maryland?
Send the property, amount and deadline. A principal will respond directly.