West · Washington · Office · First lien
Office hard money loans in Seattle, WA.
First-position office loans in Seattle, Washington (WA) — 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.
Seattle market context
The Seattle economy behind the collateral.
Seattle anchors a global technology and aerospace economy, supported by major seaport and airport infrastructure connecting to Pacific trade routes.
Common financing needs include multifamily development tied to tech employment growth and industrial space near port terminals.
Economic anchors
- Amazon headquarters
- Boeing manufacturing operations
- Port of Seattle
- University of Washington
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 Seattle.
- 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 Washington? 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
Seattle, WA office loan request.
Questions
Seattle, WA office loans, answered.
- Does Stokley Capital make office loans in Seattle, WA?
- Yes. We make first-position office hard money and bridge loans in Seattle, Washington (WA), typically $1M–$5M, with larger loans considered.
- What drives the Seattle market?
- Seattle anchors a global technology and aerospace economy, supported by major seaport and airport infrastructure connecting to Pacific trade routes.
- What should a Seattle 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 Seattle?
Send the property, amount and deadline. A principal will respond directly.