Northeast · Office · First lien
Office hard money loans in Vermont (VT).
First-position office loans across Vermont (VT). 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 Vermont (VT), 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.
Vermont market context
The economy behind the collateral.
Vermont's economy relies on tourism tied to its mountains and rural landscape, small-scale manufacturing, agriculture, and healthcare and education institutions concentrated in Burlington. The state's economic base is smaller and more rural than most of the Northeast.
- Tourism and recreation
- Healthcare
- Higher education
- Agriculture and food production
- Small-scale manufacturing
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 Vermont.
- 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 Vermont? Stokley Capital is also a real estate investment firm. We acquire, own and operate real estate across the United States. Submit it for acquisition.
Vermont metros
Local lending pages.
We lend across Vermont, 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
Vermont office loan request.
Questions
Vermont office loans, answered.
- Does Stokley Capital make office loans in Vermont?
- Yes. We make first-position office hard money and bridge loans throughout Vermont (VT), including Burlington and smaller markets.
- How large are your Vermont 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 Vermont 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 Vermont?
Send the property, amount and deadline. A principal will respond directly.