Southeast · Office · First lien
Office hard money loans in South Carolina.
First-position office loans across South Carolina — 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.
South Carolina market context
The economy behind the collateral.
South Carolina's economy is anchored by advanced manufacturing tied to automotive and aerospace plants, deepwater port operations at Charleston, and a growing coastal tourism sector.
- Advanced manufacturing
- Port and logistics
- Tourism
- Automotive and aerospace supply chain
- Higher education
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 South Carolina.
- 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 South Carolina? Stokley also buys real estate as a principal. Submit it for acquisition.
South Carolina metros
Local lending pages.
We lend across South Carolina, 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
South Carolina office loan request.
Questions
South Carolina office loans, answered.
- Does Stokley Capital make office loans in South Carolina?
- Yes. We make first-position office hard money and bridge loans throughout South Carolina, including Charleston, Columbia, Greenville, Spartanburg and smaller markets.
- How large are your South Carolina office loans?
- Typically $1M–$5M, first lien. Larger loans are considered.
- What should a South Carolina 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 South Carolina
Next step
Financing office in South Carolina?
Send the property, amount and deadline. A principal will respond directly.