Midwest · Wisconsin · Office · First lien
Office hard money loans in Madison, WI.
First-position office loans in Madison, Wisconsin (WI) — 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.
Madison market context
The Madison economy behind the collateral.
Madison's economy centers on state government, the University of Wisconsin, and a growing biotechnology and insurance sector.
Financing activity includes student housing near campus and office space tied to biotech and insurance employers.
Economic anchors
- University of Wisconsin-Madison
- Wisconsin State Capitol
- American Family Insurance headquarters
- Epic Systems campus
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 Madison.
- 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 Wisconsin? 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
Madison, WI office loan request.
Questions
Madison, WI office loans, answered.
- Does Stokley Capital make office loans in Madison, WI?
- Yes. We make first-position office hard money and bridge loans in Madison, Wisconsin (WI), typically $1M–$5M, with larger loans considered.
- What drives the Madison market?
- Madison's economy centers on state government, the University of Wisconsin, and a growing biotechnology and insurance sector.
- What should a Madison 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 Madison?
Send the property, amount and deadline. A principal will respond directly.