Mid-Atlantic · Office · First lien

    Office hard money loans in Maryland (MD).

    First-position office loans across Maryland (MD). 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 office hard money and bridge loans across Maryland (MD), 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.

    Submit a dealFull request on this page

    Stokley Capital 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.

    Read the office analysis

    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

    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.

    • 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 Capital is also a real estate investment firm. We acquire, own and operate real estate across the United States. 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

    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

    Maryland office loan request.

    Loan request

    1. Contact
    2. Deal
    3. Documents

    Step 1 of 3 · about 20 sec left

    Only your email is required. No application fee, no obligation.

    We'll save your progress and may email you a link to finish. The link expires in 14 days.

    Submit a deal if you only have the basics.

    Submitting a request is not an application for credit and creates no obligation on either side. Any financing is subject to underwriting, diligence and approval.

    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 (MD), including Baltimore, Columbia, Silver Spring, Annapolis and smaller markets.
    How large are your Maryland office 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 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 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.

    Next step

    Financing office in Maryland?

    Send the property, amount and deadline. A principal will respond directly.

    Submit a dealFull request form
    Submit a deal