Mid-Atlantic · Office · First lien

    Office hard money loans in Virginia (VA).

    First-position office loans across Virginia (VA). 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 Virginia (VA), 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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    Virginia market context

    The economy behind the collateral.

    Virginia's economy is shaped by federal government activity and defense spending in Northern Virginia and Hampton Roads, a major port and naval complex, and growing data center and technology investment. The state also maintains a broad base in agriculture and higher education.

    • Federal government and defense
    • Data centers and technology
    • Port and maritime logistics
    • Higher education
    • Financial and professional services
    • Agriculture

    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 Virginia.

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

    Virginia metros

    Local lending pages.

    We lend across Virginia, 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

    Virginia 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

    Virginia office loans, answered.

    Does Stokley Capital make office loans in Virginia?
    Yes. We make first-position office hard money and bridge loans throughout Virginia (VA), including Virginia Beach, Richmond, Norfolk, Arlington and smaller markets.
    How large are your Virginia 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 Virginia 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 Virginia?

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

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