Self-Storage · First lien · In most US states
Self-storage hard money & bridge loans.
Climate-controlled and drive-up self-storage, including conversions and expansions. The loan is sized to as-is value.
Yes. Stokley Capital makes first-position, business-purpose self-storage hard money and bridge loans in most US states, 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 request is reviewed and decided directly by the principals.
Stokley Capital Intelligence · Updated September 2026
Self-Storage Market Data 2026
A sourced view of U.S. self-storage fundamentals (occupancy, rents, new supply and capital markets) and the situations they may create for owners, lenders and investors.
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.
- Physical and economic occupancy
- Street rates, in-place rates and discounting
- Management platform and revenue systems
- New supply within the trade area
- Expansion land and conversion costs
Situations
Where we're most useful.
- Lease-up after a new build or conversion
- Acquisitions from mom-and-pop owners
- Expansion capital on existing facilities
- Maturities on facilities still stabilizing
Selling a self-storage property? Stokley Capital is also a real estate investment firm. We acquire, own and operate real estate across the United States. 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.
- 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.
By state
Self-storage loans by state.
State pages combine local economic context with how we approach self-storage loans there.
Southwest
Northeast
Request loan terms
Self-storage loan request.
Questions
Self-storage loans, answered.
- Do you provide self-storage hard money loans in most US states?
- Yes. Stokley Capital provides first-position, business-purpose self-storage loans in most US states, subject to state requirements.
- What size self-storage loans do you make?
- 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 do you look at first on a self-storage loan?
- Physical and economic occupancy; Street rates, in-place rates and discounting; Management platform and revenue systems.
- Do you take second position?
- No. Every loan is a first lien on the property.
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
Have a self-storage loan request?
Send the property, amount and deadline. A principal will respond directly.