Individual or Syndicated
Fund a whole loan or invest with other investors.
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Investor Relations · Commercial Real Estate Credit
Your capital. A clear path to real estate lending.
Fund an entire commercial real estate loan or invest alongside other investors in a syndicated transaction. We coordinate origination, independent review, escrow funding and closing. You review the opportunity and approve your investment terms.
CRECommercial real estate focus
$1M–$100M+Loan amounts
3 ProgramsBridge · Construction · Permanent
43 StatesCurrent coverage
Independent Review
Unbiased third-party underwriting and legal review.
Direct Escrow Funding
Your loan capital goes directly to independent escrow.
Third-Party Servicing
Professional administration, payments and reporting.
Two Ways to Invest
One investor or several.
One coordinated process.
Stone Oak Capital Advisory provides private investors with opportunities to fund specific commercial real estate loans. A transaction may be funded by a single investor acquiring the entire loan, or by multiple investors through a documented syndication.
We coordinate origination, underwriting, third-party due diligence and closing. You evaluate the opportunity and approve the investment structure, your funding amount and the terms before committing.
Your decision at each stage.Review the loan, approve the documented terms and fund through independent escrow.
Whole-Loan Investment
Invest individually.
You or your designated entity funds and acquires the entire loan through the agreed closing and assignment process.
- Ownership of the entire loan under the executed documents
- Your approval of the loan purchase and funding terms
- Your choice of a qualified third-party servicer
Syndicated Investment
Invest alongside others.
Multiple investors provide capital for the same loan, with each investor’s allocation and interest documented before funding.
- A defined ownership or participation interest
- Documented payment allocations and decision rights
- Coordinated third-party servicing for the investor group
Five Clear Steps
How the Investment
Process Works
A coordinated process from your first review to a funded investment and ongoing servicing—with experienced professionals supporting each stage.
You review the opportunity
Review the Loan Opportunity
You receive a loan package outlining the property, borrower, requested financing, proposed terms, collateral, and repayment strategy. This allows you to evaluate each opportunity individually and determine whether it meets your investment objectives.
Independent review supports your decision
Complete Due Diligence and Approve the Terms
Stone Oak coordinates underwriting and independent third-party review, including property appraisals and legal review. Experienced real estate attorneys prepare the loan and closing documents.
Before funding, your investment amount, whole-loan purchase or syndication terms, applicable fees, ownership or participation rights, and any future funding obligations are documented in the transaction agreements. For a syndicated loan, these documents also establish investor allocations, payment priorities and decision rights.
Your funds go directly to escrow
Fund Directly Through Independent Escrow
You wire your agreed loan capital directly to the designated title company or closing attorney’s escrow account for that transaction. For a syndicated loan, each investor wires their documented allocation and funds are tracked by investor.
Your loan funding does not pass through Stone Oak’s operating accounts. Written escrow instructions establish the conditions for releasing funds, the closing requirements, and the treatment of undisbursed funds if the transaction does not close.
Your rights are established at closing
Close the Loan & Establish Your Investment
Once the funding and closing conditions are satisfied, escrow releases funds under the approved instructions. Your investment follows the structure you reviewed and approved.
Whole-loan investment
Where permitted, the loan initially closes in the name of Stone Oak Capital Advisory LLC. Through the agreed closing and transfer process, the entire loan—including the promissory note and related mortgage or deed of trust—is assigned to you or your designated entity. Following assignment, you own the loan and its associated security rights under the executed documents.
Syndicated investment
Multiple investors fund the same loan under the agreed syndication structure. Each investor receives the ownership or participation interest specified in the transaction agreements. Those documents identify the lender of record and establish collateral arrangements, each investor’s rights, payment allocations and decision-making authority.
Professional administration after closing
Set Up Third-Party Loan Servicing
A qualified third-party servicing company administers the loan, processes borrower payments, maintains records and provides reporting under the servicing agreement.
Whole-loan investment
You select your qualified servicing provider. Stone Oak can recommend providers, and you remain free to select your own.
Syndicated investment
Servicing is coordinated for the investor group. The transaction documents define how the qualified servicer is selected or approved, with reporting and investor distributions based on actual collections and the agreed payment allocations.
For either structure
Stone Oak can recommend servicing providers. Payments are administered and remitted according to the loan, investor and servicing agreements.
Coordinated by Stone Oak
Stone Oak’s Role
Our role centers on sourcing opportunities, origination, underwriting, coordinating independent professional review, and managing the closing process. Our compensation and applicable transaction fees are disclosed in the transaction documents.
Each transaction is subject to investor approval, satisfactory due diligence, final documentation, applicable legal requirements, and closing conditions. Loan investments involve risk, including possible loss of principal. Principal repayment and interest payments are not guaranteed.
Capital tailored to every transaction.
Start a ConversationYour Loan Review Package
Understand the loan
before you commit.
Review the property, borrower, financing terms and repayment plan. Materials depend on the transaction’s stage and applicable confidentiality requirements.
Property & borrower
The collateral, sponsor experience, borrower financial profile, property income, valuation support and proposed business plan.
Loan & funding terms
Loan amount, LTV or LTC, sources and uses, your investment amount, fees, expenses, reserves and any future funding obligations.
Documents & investor rights
The note, mortgage or deed of trust, lien priority, title, insurance, ownership or participation terms, closing conditions and servicing responsibilities.
Risk & repayment
The repayment strategy, maturity and extensions, downside scenarios, payment allocations, decision rights and enforcement provisions.
Independent Professional Support
Experienced professionals.
Clearly defined roles.
Independent Credit Review
Unbiased third-party underwriting.
Qualified, independent third parties assess borrower and sponsor credit, collateral, valuation, leverage, cash flow and the repayment strategy. Stone Oak coordinates underwriting and property appraisals so you can evaluate the transaction with documented findings.
Professional Loan Administration
Third-party loan servicing.
A qualified third-party servicer administers the loan, processes payments, maintains records and provides reporting. Whole-loan investors select their provider; syndicated loans use a servicer selected or approved under the transaction agreements. Stone Oak can recommend providers for either structure.
Third-Party Legal Review & Closing Documents
Experienced real estate attorneys.
Experienced real estate attorneys provide third-party legal review and prepare the loan and closing documents, including the promissory note, mortgage or deed of trust, applicable guaranties, escrow instructions and assignment documents.
Counsel reviews the transaction structure, collateral and lien provisions, required consents and closing conditions. The engagement defines counsel’s scope and the parties represented; the executed documents govern each party’s rights and obligations.
Independent escrow, underwriting, legal review and servicing support the process. They do not guarantee closing, borrower performance, investment returns or repayment of principal.
Built Around Your Criteria
Your capital.
Your investment decision.
Share your preferred investment amount, property types, markets and interest in whole-loan or syndicated opportunities. Each transaction is reviewed individually, with your approval required before a documented commitment.
Your capital commitment and any future funding obligations are defined in the transaction agreements. Loan investments may remain illiquid for their duration.
Review the borrower, collateral and repayment strategy
Approve your investment amount, structure and disclosed fees
Understand your funding obligations and investment rights
Fund directly through the designated independent escrow
Review the third-party servicing and payment arrangements
Let’s Start with a Conversation
Tell us what you
want to invest in.
Share your experience and the types of loans you would consider. We’ll discuss your criteria and walk you through the next steps.
- Your preferred investment amount, property types and markets
- Whole-loan ownership or syndicated investments
- The loan review, funding and servicing process
This is a nonbinding introductory inquiry. You review and approve a specific transaction before making a documented funding commitment.
Frequently Asked Questions
A few things
you may be wondering.
Can I invest individually or alongside other investors?
Both structures are available, depending on the transaction. A single investor or its designated entity may fund and acquire the entire loan. Alternatively, multiple investors may fund the same loan through a documented syndication, with each investor’s interest and rights defined in the transaction agreements.
What will I own?
With a whole-loan purchase, you or your designated entity acquires the entire loan and its associated security rights through the documented assignment. In a syndicated investment, your interest may be structured as a participation, assignment or entity interest. The transaction documents specify what you acquire, the collateral arrangements, payment rights and decision-making authority. A syndication does not automatically give every investor direct ownership of the entire note or a separate mortgage assignment.
Does an inquiry commit me to fund a loan?
No. An introductory inquiry is nonbinding. You review each loan opportunity, complete due diligence and approve the terms before entering into a documented funding commitment. There is no automatic commitment to future loans.
Where do I send my funds?
You wire the agreed loan capital directly to the title company or closing attorney’s designated escrow account for that transaction. Your loan funding does not pass through Stone Oak’s operating accounts. Confirm wiring instructions directly with the escrow provider using a previously verified phone number.
What happens if the transaction does not close?
Written escrow instructions establish the closing conditions, release requirements, and treatment of undisbursed funds. Review the cancellation and return provisions, including applicable deadlines, before funding.
How does funding work with multiple investors?
Each investor approves a specific investment amount and wires directly to the designated independent escrow account. The closing is subject to the required capital and other closing conditions. Written escrow instructions govern the release and treatment of undisbursed funds if the transaction does not close.
Can I choose my own loan servicer?
For a whole-loan investment, you choose a qualified third-party servicer; Stone Oak can recommend providers, or you can select your own. For a syndicated loan, the transaction documents define the selection or approval of the servicer for the investor group. Reporting and payments follow the loan, investor and servicing agreements.
Who handles underwriting and legal documents?
Stone Oak coordinates underwriting and independent professional review. Qualified third parties provide unbiased underwriting and property appraisals. Experienced real estate attorneys provide third-party legal review and prepare the loan and closing documents. Each professional’s engagement defines the scope and parties represented.
How do I get started?
Share your preferred loan size, property types, markets and relevant experience through the inquiry form. We can discuss your criteria and the transaction review process. Each transaction is subject to investor approval, satisfactory due diligence, eligibility, final documentation and closing conditions.
Are principal or interest payments guaranteed?
No. Loan investments involve risk, including possible loss of principal. Borrower default, payment delays, declining collateral values and enforcement costs may affect repayment. Independent escrow, underwriting, legal review and servicing do not guarantee investment performance.
Important Information
This page describes Stone Oak Capital Advisory LLC’s investor relations and contemplated transaction process. It does not offer a specific security, loan or investment, accept investor funds or establish an investment commitment. Each transaction is subject to investor approval, applicable law, investor qualification, satisfactory due diligence, definitive agreements and closing conditions. The legal structure and any applicable securities requirements are determined for the specific transaction. Loan investments involve risk, including illiquidity, borrower default, enforcement expense and possible loss of principal. Investments are not bank deposits and are not FDIC insured. Principal repayment and interest payments are not guaranteed. Investors should review the final documents with their own legal, tax and financial advisers.