43-State Coverage

$1M–$100M+ Loan Sizesinfo@stoneoakadvisorygroup.com

Market rates

Open · Midday · Close (ET)

5Y Treasury4.35%

7Y Treasury4.48%

10Y Treasury4.65%

Prime6.75%

SOFR3.65%

SOFR 30D Avg3.64%

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Financing Solutions

Focused commercial real estate financing.

Bridge, construction, and permanent financing shaped around your next move. Stone Oak structures and arranges capital for acquisitions, refinancing, renovation, development, and long-term ownership.

CRECommercial real estate focus

$1M–$100M+Loan amounts

3 ProgramsBridge · Construction · Permanent

43 StatesCurrent coverage

Bridge, Construction & Permanent Financing

Three core programs. Flexible transaction structures.

We shape the main property loan around your business plan, timing, and repayment plans. Additional investment or borrowing, such as preferred equity or mezzanine financing, may be available only when Stone Oak structures that main loan.

01 Bridge Loans 02 Construction Loans 03 Permanent Financing

Core Program · 01

Bridge Loans

Short-term financing to buy, refinance, improve, or fill vacant space in a commercial property while you prepare for a sale or longer-term loan.

We structure and arrange bridge financing when a commercial property needs time or money to reach its next stage. It can help you buy a property, pay off a loan that is coming due, renovate, fill vacant space, or change the mix of debt and owner investment. We start with the property’s income and occupancy, purchase price or current debt, the amount you need, improvement costs, the owner’s experience, and timing.

Together, we look at the work ahead and how a sale or longer-term refinance could repay the loan. We organize the financing request, compare possible loan terms, and coordinate the financial review, property reports, documents, and closing requirements. You stay informed about unanswered questions and the next steps.

Request a Financing Review →

Common Uses

Acquisitions requiring a fast or flexible closing
Lease-up, renovation, conversion, and repositioning
Maturing debt, discounted payoffs, and recapitalizations
Commercial property acquisitions and renovations

Loan Terms to Discuss

$1M–$100M+ across available capital sources
Starting at SOFR + 4.00%
Up to 75% LTV
12–36 month terms
Recourse and non-recourse options
Sale or refinance exit
Indicative closing timeline: 10–45 days

What these terms mean. LTV compares the loan amount with the property’s value. SOFR is an interest-rate benchmark; SOFR + 4.00% means that benchmark plus 4 percentage points. Recourse describes whether repayment can be sought beyond the property, as set out in the loan documents.

Core Program · 02

Construction Loans

Financing for new construction, major renovations, changes in property use, and unfinished projects, planned around the budget and stages of the work.

We structure and arrange construction financing around what you are building, what it will cost, and when it needs to be completed. This can include new construction, major renovation, a change in use, or work needed to finish an existing project. We review land and acquisition costs, approvals, plans, permits, contracts, money set aside for unexpected costs, the owner’s investment, contractor experience, and expected property income.

Construction loans are usually paid out in stages, called draws, as work is completed and checked. We help organize the loan request, supporting reports, financial review, documents, and requirements for closing. From the beginning, we also consider how a sale or longer-term loan could repay the construction financing.

Request a Financing Review →

Common Uses

Multifamily construction and development
Ground-up commercial property development
Heavy renovation, adaptive reuse, and conversion
Completion and stalled-project recapitalization

Loan Terms to Discuss

$1M–$100M+ across available capital sources
Up to 85% LTC
12–36 month terms
Interest-only structures and flexible draws
Completion and stabilization planning
Indicative closing timeline: 30–60 days

What these terms mean. LTC compares the loan amount with total project cost. Interest-only payments cover interest rather than reducing the loan balance. Draws are payments released in stages as the required work and documents are reviewed.

Core Program · 03

Permanent Financing

Long-term financing for commercial properties with established income, including purchases, refinancing, and repayment of bridge or construction loans.

We structure and arrange long-term financing for properties with established income, whether you are buying a property, refinancing existing debt, or replacing a bridge or construction loan. We start with the income the property can sustain, occupancy, leases, operating history, the owner’s experience, and your plans for the property.

We consider banks, insurance companies, agency programs, and commercial mortgage-backed securities (CMBS) financing where appropriate. We help you compare the amount you can borrow, loan length, repayment schedule, any personal guarantees, and costs or restrictions if you repay early. Our team coordinates financial information, property reports, questions, documents, and closing requirements. Loan terms depend on the financial review and the requirements of the chosen program.

Request a Financing Review →

Common Uses

Acquisition of stabilized commercial properties
Refinancing existing commercial real estate debt
Takeout of bridge or construction financing after stabilization
Long-term ownership and portfolio recapitalization

Loan Terms to Discuss

Fixed- and floating-rate structures, subject to availability
Term and amortization tailored to the property and capital source
Proceeds evaluated against value and sustainable cash flow
Recourse and non-recourse options, subject to underwriting
Debt-service coverage and occupancy requirements vary by execution
Prepayment provisions reviewed with the proposed loan structure

What these terms mean. Amortization is the schedule for repaying the loan balance. Debt-service coverage compares property income with required loan payments. Recourse concerns repayment responsibility beyond the property; prepayment provisions describe any costs or restrictions on repaying early.

We consider your business plan, project milestones, and whether the planned sale or refinance can support repayment.

Terms may change. Rates, loan amounts, fees, and timing depend on the property and transaction; preliminary terms are not a financing commitment.

Ready for an initial review?

Start with a commercial property, a request of $1 million or more, and what you plan to use the financing for. We’ll discuss supporting documents after the first review.

See what happens next

Start With the Opportunity

Let’s identify the right capital structure.

Share your property, requested financing, and target closing date. Start with the essentials and discuss supporting documents after the initial review.

Request a Financing Review Explore Financing Programs