Midwest · Office · First lien
Office hard money loans in Ohio (OH).
First-position office loans across Ohio (OH). 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 Ohio (OH), 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.
Ohio market context
The economy behind the collateral.
Ohio's economy blends advanced manufacturing, logistics, and insurance and finance headquarters, with major metros distributed across the state along interstate freight corridors. Columbus, Cleveland, and Cincinnati each anchor distinct healthcare, financial, and industrial bases.
- Advanced manufacturing
- Logistics and distribution
- Insurance and finance
- Healthcare
- Higher education
- Automotive supply chain
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 Ohio.
- 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 Ohio? Stokley Capital is also a real estate investment firm. We acquire, own and operate real estate across the United States. Submit it for acquisition.
Ohio metros
Local lending pages.
We lend across Ohio, 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
Ohio office loan request.
Questions
Ohio office loans, answered.
- Does Stokley Capital make office loans in Ohio?
- Yes. We make first-position office hard money and bridge loans throughout Ohio (OH), including Columbus, Cleveland, Cincinnati, Dayton and smaller markets.
- How large are your Ohio 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 Ohio 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 Ohio
Next step
Financing office in Ohio?
Send the property, amount and deadline. A principal will respond directly.