Mountain West · Office · First lien

    Office hard money loans in Utah (UT).

    First-position office loans across Utah (UT). 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 Utah (UT), 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

    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.

    Read the office analysis

    Utah market context

    The economy behind the collateral.

    Utah's economy combines technology and software growth along the Wasatch Front, financial services, outdoor recreation and tourism, and a logistics base tied to its central mountain-region location. State university research and a young, educated workforce have supported expansion in the “Silicon Slopes” tech corridor.

    • Technology and software
    • Financial services
    • Outdoor recreation and tourism
    • Logistics and distribution
    • Aerospace and defense
    • 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 Utah.

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

    Utah metros

    Local lending pages.

    We lend across Utah, 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

    Utah 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

    Utah office loans, answered.

    Does Stokley Capital make office loans in Utah?
    Yes. We make first-position office hard money and bridge loans throughout Utah (UT), including Salt Lake City, Provo, Ogden, St George and smaller markets.
    How large are your Utah 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 Utah 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 Utah?

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

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