Southeast · Tennessee · Office · First lien
Office hard money loans in Memphis, TN.
First-position office loans in Memphis, Tennessee (TN) — 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.
Memphis market context
The Memphis economy behind the collateral.
Memphis is a global logistics hub built around FedEx's air cargo operations, freight rail, and river shipping on the Mississippi.
Financing requests here often involve industrial and distribution facilities near the airport and rail interchange, plus repositioning of older commercial assets.
Economic anchors
- FedEx World Hub and Memphis International Airport
- Port of Memphis
- St. Jude Children's Research Hospital
- International Paper headquarters
- Class I rail interchange
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 Memphis.
- 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 also buys real estate as a principal. Submit it for acquisition.
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.
- 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
Memphis, TN office loan request.
Questions
Memphis, TN office loans, answered.
- Does Stokley Capital make office loans in Memphis, TN?
- Yes. We make first-position office hard money and bridge loans in Memphis, Tennessee (TN), typically $1M–$5M, with larger loans considered.
- What drives the Memphis market?
- Memphis is a global logistics hub built around FedEx's air cargo operations, freight rail, and river shipping on the Mississippi.
- What should a Memphis 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.
Next step
Financing office in Memphis?
Send the property, amount and deadline. A principal will respond directly.