Southeast · Self-Storage · First lien

    Self-storage hard money loans in North Carolina (NC).

    First-position self-storage loans across North Carolina (NC). 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 self-storage hard money and bridge loans across North Carolina (NC), 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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    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.

    Read the self-storage analysis

    North Carolina market context

    The economy behind the collateral.

    North Carolina combines banking headquarters in Charlotte, the Research Triangle's technology and life sciences cluster, and a legacy manufacturing and furniture base in the Piedmont. Port access at Wilmington and a growing logistics network support statewide industrial demand.

    • Banking and finance
    • Technology and life sciences
    • Advanced manufacturing
    • Logistics and distribution
    • Higher education
    • Tourism

    Self-Storage 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

    Self-storage loans we see in North Carolina.

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

    North Carolina metros

    Local lending pages.

    We lend across North Carolina, 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

    North Carolina self-storage loan request.

    Loan request

    1. Contact
    2. Deal
    3. Documents

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    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

    North Carolina self-storage loans, answered.

    Does Stokley Capital make self-storage loans in North Carolina?
    Yes. We make first-position self-storage hard money and bridge loans throughout North Carolina (NC), including Charlotte, Raleigh, Durham, Greensboro and smaller markets.
    How large are your North Carolina self-storage 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 North Carolina self-storage 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 self-storage in North Carolina?

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

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