Southwest · Office · First lien
Office hard money loans in New Mexico (NM).
First-position office loans across New Mexico (NM). 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 New Mexico (NM), 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.
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.
New Mexico market context
The economy behind the collateral.
New Mexico's economy centers on federal research and defense laboratories, oil and gas production in the Permian Basin, and a growing film and television production sector. Albuquerque anchors the state's technology and logistics base along the Interstate 25 and Interstate 40 corridors.
- Federal research and defense
- Oil and gas
- Film and media production
- Logistics and distribution
- Healthcare
- Higher education
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 New Mexico.
- 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 New Mexico? Stokley Capital is also a real estate investment firm. We acquire, own and operate real estate across the United States. Submit it for acquisition.
New Mexico metros
Local lending pages.
We lend across New Mexico, 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
New Mexico office loan request.
Questions
New Mexico office loans, answered.
- Does Stokley Capital make office loans in New Mexico?
- Yes. We make first-position office hard money and bridge loans throughout New Mexico (NM), including Albuquerque, Santa Fe, Las Cruces and smaller markets.
- How large are your New Mexico 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 New Mexico 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.
Other property types in New Mexico
Office loans nearby
Next step
Financing office in New Mexico?
Send the property, amount and deadline. A principal will respond directly.