Southeast · Office · First lien

    Office hard money loans in Tennessee (TN).

    First-position office loans across Tennessee (TN). 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 Tennessee (TN), 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.

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    Stokley Capital Intelligence · Updated September 2026

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    Tennessee market context

    The economy behind the collateral.

    Tennessee's economy blends healthcare management, automotive and advanced manufacturing, logistics, and a music and entertainment industry anchored in Nashville. The state's central location along interstate corridors and absence of a state income tax have drawn corporate relocations and distribution investment.

    • Healthcare management and services
    • Automotive manufacturing
    • Music, entertainment and tourism
    • Logistics and distribution
    • Advanced manufacturing
    • 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 Tennessee.

    • 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 Tennessee? Stokley Capital is also a real estate investment firm. We acquire, own and operate real estate across the United States. Submit it for acquisition.

    Tennessee metros

    Local lending pages.

    We lend across Tennessee, 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

    Tennessee 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

    Tennessee office loans, answered.

    Does Stokley Capital make office loans in Tennessee?
    Yes. We make first-position office hard money and bridge loans throughout Tennessee (TN), including Nashville, Memphis, Knoxville, Chattanooga and smaller markets.
    How large are your Tennessee 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 Tennessee 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 Tennessee?

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

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